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Wyndham Rewards Earner Plus Card vs Bilt Mastercard

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

For most people the Wyndham Rewards Earner Plus Card is the stronger pick today — the sign-up bonus is meaningfully larger ($600 more in estimated value) than the Bilt Mastercard's. Get the Wyndham Rewards Earner Plus Card first; revisit the Bilt Mastercard after you've earned that bonus.

FeatureWyndham Rewards Earner Plus CardBilt Mastercard
Annual fee$75$0
Sign-up bonus60,000 pointsNo public offer
Bonus value (est.)$600$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 partnerswyndham-rewardsbilt
Headline benefits
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
  • Earn points on rent — no fees
  • 1:1 transfers to Hyatt, AA, United
  • Rent Day bonus each month
  • $0 annual fee
Read the full review
Wyndham Rewards Earner Plus Card
$75/yr · 60,000 points
Read the full review
Bilt Mastercard
$0/yr · No public offer

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

The only card that earns points on rent with no fees. Pair it with Rent Day on the 1st of each month for bonus earning, then transfer to top partners like Hyatt at 1:1. A must-have for renters.

Common questions

Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or Bilt Mastercard?
The Wyndham Rewards Earner Plus Card has the bigger bonus — 60,000 points, worth roughly $600, versus No public offer (~$0) on the Bilt Mastercard.
Is the Wyndham Rewards Earner Plus Card's $75 annual fee worth it compared to the Bilt Mastercard?
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's — pick the one whose perks you'll actually use.
Can I have both the Wyndham Rewards Earner Plus Card and Bilt Mastercard?
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 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: $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.