Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
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Side-by-side
American Express Business Gold vs Wyndham Rewards Earner Plus Card
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the Wyndham Rewards Earner Plus Card from Barclays at $75/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($1,350 more in estimated value) than the Wyndham Rewards Earner Plus Card's. Get the American Express Business Gold first; revisit the Wyndham Rewards Earner Plus Card after you've earned that bonus.
| Feature | American Express Business Gold | Wyndham Rewards Earner Plus Card |
|---|---|---|
| Annual fee | $375 | $75 |
| Sign-up bonus | 100,000 Membership Rewards points | 45,000 points |
| Bonus value (est.) | $1,800 | $450 |
| Min spend to unlock bonus | $15,000 in 3 mo | $1,000 in 3 mo |
| Issuer | American Express | Barclays |
| Card category | business | hotel |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
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Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
Wyndham Rewards Earner Plus Card
$75/yr · 45,000 points
Editorial take: Wyndham Rewards Earner Plus Card
Underrated card for Vacasa rentals and Caesars properties (which take Wyndham points). The 7,500 anniversary points alone (~$75 in value) make the fee a wash; Platinum status adds late checkout and 15% bonus.
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Wyndham Rewards Earner Plus Card?
- The American Express Business Gold has the bigger bonus, 100,000 Membership Rewards points, worth roughly $1,800, versus 45,000 points (~$450) on the Wyndham Rewards Earner Plus Card.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Wyndham Rewards Earner Plus Card?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Wyndham Rewards Earner Plus Card's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Wyndham Rewards Earner Plus Card?
- Yes, since they're from different issuers (American Express and Barclays) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the Wyndham Rewards Earner Plus Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Wyndham Rewards Earner Plus Card: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.