If you’re a frequent traveler or a Wyndham Rewards member looking to maximize your stays at Wyndham Hotels & Resorts, you might be considering the Wyndham Rewards Credit Card. One of the first steps in the application process is determining if you’re pre-approved, which can give you a clearer picture of your approval odds without impacting your credit score.
In this guide, we’ll walk you through the Wyndham Credit Card pre-approval process, eligibility criteria, and tips to enhance your chances of approval.
What Is the Wyndham Credit Card?
The Wyndham Rewards Credit Card is a co-branded credit card issued by Barclays Bank Delaware. It’s designed for travelers who frequently stay at Wyndham properties, including Wyndham, La Quinta, Ramada, and Days Inn. The card offers various benefits to enhance your travel experience.
Types of Wyndham Credit Cards
- Wyndham Rewards Earner® Card
- Annual Fee: $0
- Rewards: Earn up to 5X points on eligible purchases at Wyndham properties, gas stations, and dining establishments.
- Bonus: 45,000 bonus points after spending $1,000 in the first 90 days.
- Wyndham Rewards Earner® Plus Card
- Annual Fee: $75
- Rewards: Earn up to 6X points on eligible purchases at Wyndham properties and gas stations.
- Bonus: 45,000 bonus points after spending $1,000 in the first 90 days.
- Wyndham Rewards Earner® Business Card
- Annual Fee: $95
- Rewards: Earn up to 8X points on eligible purchases at Wyndham properties and gas stations.
- Bonus: 45,000 bonus points after spending $3,000 in the first 90 days.
What Does Wyndham Credit Card Pre-Approval Mean?
Pre-approval is an initial screening process where Barclays checks your eligibility for the Wyndham Credit Card using a soft credit inquiry. This means:
- No Impact on Credit Score: Since it’s a soft inquiry, your credit score won’t be affected.
- Indicates Higher Approval Odds: Being pre-approved suggests you’re a strong candidate, but it’s not a guarantee of final approval.
It’s essential to understand that pre-approval is different from pre-qualification and the official application process.
How to Check for Wyndham Credit Card Pre-Approval
Option 1: Barclays Pre-Approval Page
Visit the Barclays pre-approval page and enter your basic information (name, address, last 4 digits of your SSN). Barclays will perform a soft credit inquiry to determine your eligibility.
Option 2: Wyndham Rewards Member Portal
If you’re a Wyndham Rewards member, you might receive targeted pre-approved offers through your account or email. Check your Wyndham Rewards account for any such offers.
Option 3: Mail Offers
Some individuals receive pre-screened credit card invitations under the Fair Credit Reporting Act (FCRA). You can confirm the legitimacy of these offers by checking the offer code and visiting the official Barclays application page.
Wyndham Credit Card Pre-Approval Requirements
Barclays considers several factors when determining pre-approval eligibility:
- Credit Score: A score of 670 or higher is typically favorable.
- Credit Utilization Ratio: Keeping your utilization below 30% is recommended.
- Payment History: A consistent record of on-time payments is crucial.
- Income and Existing Debts: These are verified during the final application process.
- Residency: A U.S. address is required.
What Happens After You’re Pre-Approved?
Once pre-approved, you’ll be invited to submit a full application. Barclays will then perform a hard credit inquiry. Approval and credit limit depend on your full credit profile. If approved, your card is usually mailed within 7–10 business days.
Benefits of the Wyndham Credit Card
- Earn Points: Up to 8X points on eligible purchases at Wyndham properties and gas stations.
- Free Nights: Redeem points for free nights at participating Wyndham hotels.
- Annual Bonus: Receive bonus points each year on your card anniversary.
- Elite Status: Gain elite status within the Wyndham Rewards program, offering perks like room upgrades and early check-in.
Common Reasons Pre-Approval May Be Denied
- Low or Limited Credit History: Insufficient credit history can be a barrier.
- High Existing Credit Utilization: High balances relative to your credit limits can negatively impact your application.
- Recent Delinquencies or Late Payments: A history of late payments can raise concerns.
- Too Many Recent Hard Inquiries: Multiple recent credit inquiries can be a red flag.
- Discrepancies Between Application Info and Credit Report: Inconsistencies can lead to denial.
How to Improve Your Chances of Wyndham Credit Card Approval
- Pay Off Existing Debts: Reducing outstanding balances can improve your credit profile.
- Keep Utilization Below 30%: Aim to use less than 30% of your available credit.
- Avoid Multiple Credit Applications: Space out credit applications to minimize hard inquiries.
- Review Your Credit Report: Check for errors at AnnualCreditReport.com and dispute any inaccuracies.
- Maintain a Positive Payment History: Ensure consistent on-time payments for at least 6 months.
Should You Apply If You’re Pre-Approved?
Pros:
- Higher Likelihood of Approval: Pre-approval indicates you’re a strong candidate.
- No Impact on Credit Score: The pre-approval process doesn’t affect your score.
Cons:
- Hard Inquiry Upon Application: Final approval involves a hard credit inquiry.
- Not a Guarantee: Pre-approval is not a guarantee of final approval.
Pre-approval offers are best suited for those who frequently stay at Wyndham hotels or want travel perks without major annual fees.
U.S. Consumer Rights Under the Fair Credit Reporting Act (FCRA)
Under the FCRA, consumers have the right to opt-out of pre-screened credit card offers. You can do so by visiting OptOutPrescreen.com. Additionally, if you’re denied after a pre-approval offer, you’re entitled to an adverse action notice explaining the reason for the denial.
FAQ
1. Does Wyndham offer pre-approval for its credit cards?
Yes, Barclays occasionally offers pre-approval for Wyndham credit cards through mail or online tools.
2. Does pre-approval guarantee I’ll get the Wyndham card?
No, pre-approval only indicates strong eligibility — final approval depends on a full credit review.
3. Does checking pre-approval hurt my credit score?
No. Pre-approval uses a soft inquiry, which doesn’t affect your credit score.
4. What credit score is needed for Wyndham Credit Card approval?
Generally, a good to excellent credit score (670–850) increases approval odds.
5. How do I apply if I’m pre-approved?
Use your pre-approval code from the offer or visit Barclays’ official Wyndham credit card page to complete your application.
6. Can I get pre-approved without being a Wyndham Rewards member?
Yes, though members are more likely to receive targeted offers.
Conclusion
The Wyndham Credit Card pre-approval process allows travelers to check their eligibility without harming their credit score. Whether you stay at Wyndham properties frequently or just want a travel-friendly rewards card, pre-approval gives you a risk-free way to see if you qualify.
Always verify offers through Barclays’ official website, read the terms carefully, and apply only when you’re confident your credit profile meets the bank’s criteria.
Emma Rose is a U.S.-based personal finance writer and a regular contributor at Cardix.us. She focuses on topics like credit cards, credit scores, and everyday money management. Emma’s writing makes complex financial concepts simple and practical, helping readers make smarter credit and spending decisions with confidence.