American Express® Business Gold Card vs Wyndham Rewards Earner® Business Card

American Express® Business Gold CardAmerican Express® Business Gold Card

American Express

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Wyndham Rewards Earner® Business CardWyndham Rewards Earner® Business Card

Barclays

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Annual Fee
$375
$95
Card Type
Business
Business
Rewards Currency
Membership Rewards
Wyndham Rewards Points
Point Value
2.00¢/pt
1.10¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
100,000 Membership Rewards after $15,000 in 90 days
30,000 Wyndham Rewards Points after $1,000 in 90 days

Effective return by category

CategoryAmerican Express® Business Gold CardWyndham Rewards Earner® Business Card
Gas Stations8.00%
4x · $150,000 cap
8.80%
8x
Dining & Restaurants8.00%
4x · $150,000 cap
5.50%
5x
Online Advertising8.00%
4x · $150,000 cap
1.10%
1x
Food Delivery8.00%
4x · $150,000 cap
1.10%
1x
Transit & Rideshare8.00%
4x · $150,000 cap
1.10%
1x
Phone & Wireless8.00%
4x · $150,000 cap
1.10%
1x
Groceries2.00%
1x
5.50%
5x
Everything else2.00%
1x
1.10%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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