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Side-by-side

American Express Schwab Investor Card vs Wyndham Rewards Earner Plus Card

Both are well-respected travel cards. The American Express Schwab Investor Card comes from American Express at $0/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

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureAmerican Express Schwab Investor CardWyndham Rewards Earner Plus Card
Annual fee$0$75
Sign-up bonus10,000 Membership Rewards points45,000 points
Bonus value (est.)$110$450
Min spend to unlock bonus$1,000 in 6 mo$1,000 in 3 mo
IssuerAmerican ExpressBarclays
Card categorytravelhotel
Best earning category (All_purchases)1.5x1x
Transfer partnersamex-mrNone
Headline benefits
  • 1.5X MR on everything
  • $0 annual fee
  • 1.0c/pt Invest with Rewards
  • Full MR transfer partners
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
Read the full review
American Express Schwab Investor Card
$0/yr · 10,000 Membership Rewards points
Read the full review
Wyndham Rewards Earner Plus Card
$75/yr · 45,000 points

Editorial take: American Express Schwab Investor Card

The hidden gem of the Amex MR lineup for Schwab brokerage customers. Flat 1.5X MR with $0 annual fee, full transfer-partner access, AND a 1.0 cents-per-point cash-into-brokerage redemption guarantees you can always extract real cash. The catch: you need a Schwab brokerage account to apply.

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 Schwab Investor Card or Wyndham Rewards Earner Plus Card?
The Wyndham Rewards Earner Plus Card has the bigger bonus, 45,000 points, worth roughly $450, versus 10,000 Membership Rewards points (~$110) on the American Express Schwab Investor Card.
Is the American Express Schwab Investor Card's $0 annual fee worth it compared to the Wyndham Rewards Earner Plus Card?
The American Express Schwab Investor Card has no annual fee, so the question is whether the Wyndham Rewards Earner Plus Card's $75 fee is justified by its perks. If you'll use enough of the Wyndham Rewards Earner Plus Card's benefits to clear $75 in value annually, it's worth it; otherwise stick with the American Express Schwab Investor Card.
Can I have both the American Express Schwab Investor Card 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 Schwab Investor Card or the Wyndham Rewards Earner Plus Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Schwab Investor Card: $1,000 spend in 6 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.