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Wyndham Rewards Earner Plus Card vs United Business Card

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $75/yr; the United Business Card from Chase at $99/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 CardUnited Business Card
Annual fee$75$99
Sign-up bonus60,000 points75,000 miles
Bonus value (est.)$600$1,050
Min spend to unlock bonus$1,000 in 3 mo$5,000 in 3 mo
IssuerBarclaysChase
Card categoryhotelbusiness
Best earning category (Wyndham)6x1x
Transfer partnerswyndham-rewardsmileageplus
Headline benefits
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
  • $100 credit after $10k spend
  • $50 hotel credit 2x/year
  • Free checked bag (you + 1)
  • 2 United Club passes/yr
Read the full review
Wyndham Rewards Earner Plus Card
$75/yr · 60,000 points
Read the full review
United Business Card
$99/yr · 75,000 miles

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: United Business Card

Strong United business card under $100 fee. The free checked bag for two travelers, two club passes, and the under-the-radar $50/twice-per-year hotel credit easily cover the AF for any United-leaning small business.

Common questions

Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or United Business Card?
The United Business Card has the bigger bonus — 75,000 miles, worth roughly $1,050, versus 60,000 points (~$600) on the Wyndham Rewards Earner Plus Card.
Is the Wyndham Rewards Earner Plus Card's $75 annual fee worth it compared to the United Business Card?
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 United Business Card's — pick the one whose perks you'll actually use.
Can I have both the Wyndham Rewards Earner Plus Card and United Business Card?
Yes, since they're from different issuers (Barclays and Chase) 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 United Business Card 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. United Business Card: $5,000 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.