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Side-by-side

Wyndham Rewards Earner Plus Card vs Bilt Blue

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $75/yr; the Bilt Blue from Bilt / Cardless at $0/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.

FeatureWyndham Rewards Earner Plus CardBilt Blue
Annual fee$75$0
Sign-up bonus45,000 points$100 Bilt Cash
Bonus value (est.)$450$100
Min spend to unlock bonus$1,000 in 3 mo$0 in 0 mo
IssuerBarclaysBilt / Cardless
Card categoryhoteltravel
Best earning category (Wyndham)6x1x
Transfer partnersNonebilt
Headline benefits
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
Read the full review
Wyndham Rewards Earner Plus Card
$75/yr · 45,000 points
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash

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.

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

Common questions

Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or Bilt Blue?
The Wyndham Rewards Earner Plus Card has the bigger bonus, 45,000 points, worth roughly $450, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Wyndham Rewards Earner Plus Card's $75 annual fee worth it compared to the Bilt Blue?
At $75/yr, the Wyndham Rewards Earner Plus Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bilt Blue's, pick the one whose perks you'll actually use.
Can I have both the Wyndham Rewards Earner Plus Card and Bilt Blue?
Yes, since they're from different issuers (Barclays and Bilt / Cardless) 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 Wyndham Rewards Earner Plus Card or the Bilt Blue first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Wyndham Rewards Earner Plus Card: $1,000 spend in 3 months. Bilt Blue: $0 in 0 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.