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Wyndham Rewards Earner Plus Card vs Bilt Mastercard (legacy, Wells Fargo)

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $75/yr; the Bilt Mastercard (legacy, Wells Fargo) from Bilt / Wells Fargo 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 Mastercard (legacy, Wells Fargo)
Annual fee$75$0
Sign-up bonus45,000 pointsClosed to new applicants
Bonus value (est.)$450$0
Min spend to unlock bonus$1,000 in 3 mo$0 in 0 mo
IssuerBarclaysBilt / Wells Fargo
Card categoryhoteltravel
Best earning category (Wyndham)6x1x
Transfer partnersNonebilt
Headline benefits
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
  • Closed to new applicants (Wells Fargo)
  • Existing cards being migrated
  • Apply for Bilt 2.0 (Cardless) instead
  • 100k pt/yr rent cap (legacy)
Read the full review
Wyndham Rewards Earner Plus Card
$75/yr · 45,000 points
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants

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 Mastercard (legacy, Wells Fargo)

Closed to new applicants. Bilt launched its 2.0 portfolio (Blue / Obsidian / Palladium) on February 7, 2026 with Cardless as the new issuer. Existing Wells Fargo Bilt Mastercard holders are being migrated; new applicants should apply for one of the Bilt 2.0 tiers via biltrewards.com.

Common questions

Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or Bilt Mastercard (legacy, Wells Fargo)?
The Wyndham Rewards Earner Plus Card has the bigger bonus, 45,000 points, worth roughly $450, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
Is the Wyndham Rewards Earner Plus Card's $75 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
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 Mastercard (legacy, Wells Fargo)'s, pick the one whose perks you'll actually use.
Can I have both the Wyndham Rewards Earner Plus Card and Bilt Mastercard (legacy, Wells Fargo)?
Yes, since they're from different issuers (Barclays and Bilt / Wells Fargo) 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 Mastercard (legacy, Wells Fargo) 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 Mastercard (legacy, Wells Fargo): $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.