Card comparison
Which card is better between Wyndham Rewards Earner Premier and Wyndham Rewards Earner Plus?
Wyndham Rewards Earner Premier is the better overall pick over Wyndham Rewards Earner Plus because it leads on Madeen's weighted scorecard (52 vs 48) across categories, bonus, benefits, and fee.
Effective rate Tie
Annual fee Wyndham Rewards Earner Plus
Welcome bonus Wyndham Rewards Earner Premier
Benefits value Wyndham Rewards Earner Premier
Wyndham Rewards Earner Premier is the stronger overall pick between Wyndham Rewards Earner Premier and Wyndham Rewards Earner Plus because it leads on Madeen's weighted scorecard (52 vs 48) across categories, bonus, benefits, and fee. Wyndham Rewards Earner Premier (3.6% top effective rate) vs Wyndham Rewards Earner Plus (3.6%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Choose A if
Choose Wyndham Rewards Earner Premier when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose Wyndham Rewards Earner Plus when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do Wyndham Rewards Earner Premier and Wyndham Rewards Earner Plus compare across all spend categories?
Across all five spend categories, Wyndham Rewards Earner Premier and Wyndham Rewards Earner Plus trade wins row by row. Wyndham Rewards Earner Premier peaks at 3.6% effective; Wyndham Rewards Earner Plus peaks at 3.6%. Tie wins the headline effective-rate view in this pair.
| Category / metric | Wyndham Rewards Earner Premier | Wyndham Rewards Earner Plus | Winner |
|---|---|---|---|
| Dining | 4x points (3.6%) | 4x points (3.6%) | Tie |
| Grocery | 4x points (3.6%) | 4x points (3.6%) | Tie |
| Gas | 1x points (0.9%) | 1x points (0.9%) | Tie |
| Travel | 1x points (0.9%) | 1x points (0.9%) | Tie |
| Other | 1x points (0.9%) | 1x points (0.9%) | Tie |
| Welcome bonus | ~$1080 estimated | ~$900 estimated | Wyndham Rewards Earner Premier |
| Est. annual benefits | $1205/yr | $605/yr | Wyndham Rewards Earner Premier |
| Annual fee | $395 | $95 | Wyndham Rewards Earner Plus |
| Holistic overall | 52 pts (cat 20, bonus 11, benefits 17, fee 4) | 48 pts (cat 20, bonus 9, benefits 8, fee 11) | Wyndham Rewards Earner Premier |
Madeen take
How to think about this pair
Wyndham Rewards Earner Premier (3.6% top effective rate) vs Wyndham Rewards Earner Plus (3.6%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Strategy
Use Wyndham Rewards Earner Premier when Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Use Wyndham Rewards Earner Plus when Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet.
Hold both?
Many Barclays users can hold both cards if each covers a different spend lane and the combined annual fees still clear your break-even math.
Welcome bonus playbook
If you are chasing a welcome bonus, Wyndham Rewards Earner Premier leads on catalog bonus value. For long-term category earn after the bonus, Wyndham Rewards Earner Plus is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: Wyndham Rewards Earner Premier or Wyndham Rewards Earner Plus?
Madeen estimates $1205 annual benefit value on Wyndham Rewards Earner Premier versus $605 on Wyndham Rewards Earner Plus. Credits only matter if you will use them.
Wyndham Rewards Earner Premier
Total est. value: $1,205/yr
Credits and perks only help if you will actually use them in a typical year.
- Sofar Sounds $240/yr
- Visa Signature Concierge $150/yr
- OpenTable $120/yr
- Up to $120: Statement Credit after applying for TSA Precheck or Global Entry $120/yr
- Up to $120: Statement Credit after making Eligible Meal Delivery Purchases $120/yr
Wyndham Rewards Earner Plus
Total est. value: $605/yr
Credits and perks only help if you will actually use them in a typical year.
- Sofar Sounds $240/yr
- Visa Signature Concierge $150/yr
- OpenTable $120/yr
- Anniversary Bonus $25/yr
- Golf Benefits from Troon Rewards® $10/yr
Welcome bonus
Which welcome bonus is stronger for Wyndham Rewards Earner Premier or Wyndham Rewards Earner Plus?
If you are chasing a welcome bonus, Wyndham Rewards Earner Premier leads on catalog bonus value. For long-term category earn after the bonus, Wyndham Rewards Earner Plus is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. Wyndham Rewards Earner Premier lists 120k Wyndham Rewards; Wyndham Rewards Earner Plus lists 100k Wyndham Rewards.
Wyndham Rewards Earner Premier
120k Wyndham Rewards
Wyndham Rewards Earner Plus
100k Wyndham Rewards
Caps & conditions
Caps and earn limits
Both Wyndham Rewards Earner Premier and Wyndham Rewards Earner Plus carry structured reward caps in the catalog. Compare the category that matters most before assuming the headline multiplier lasts all year.
Wyndham Rewards Earner Premier
- Earn 4 points per $1 spent on dining
- Earn 4 points per $1 spent on grocery store purchases (excluding Target® and Walmart®)
Wyndham Rewards Earner Plus
- Earn 4 points per $1 spent on dining
- Earn 4 points per $1 spent on grocery store purchases (excluding Target® and Walmart®)
Who should pick which
Scenario playbook
Cashback-first user
Pick Wyndham Rewards Earner Plus
Wyndham Rewards Earner Plus is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick Wyndham Rewards Earner Premier
Wyndham Rewards Earner Premier is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick Wyndham Rewards Earner Plus
Wyndham Rewards Earner Plus is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick Tie
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick Tie
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick Wyndham Rewards Earner Premier
If you are chasing a welcome bonus, Wyndham Rewards Earner Premier leads on catalog bonus value. For long-term category earn after the bonus, Wyndham Rewards Earner Plus is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick Wyndham Rewards Earner Plus
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between Wyndham Rewards Earner Premier and Wyndham Rewards Earner Plus?
Wyndham Rewards Earner Premier is the better overall pick because it leads on Madeen's weighted scorecard (52 vs 48) across categories, bonus, benefits, and fee. Wyndham Rewards Earner Premier (3.6% top effective rate) vs Wyndham Rewards Earner Plus (3.6%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
When should you pick Wyndham Rewards Earner Premier over Wyndham Rewards Earner Plus?
Choose Wyndham Rewards Earner Premier if Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Best for dining-heavy spend when the $395 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 3.6% effective (4x points).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $395 annual fee requires enough spend in bonus categories to offset.
- Wyndham Rewards value depends on how you redeem, not straight cash back.
When should you pick Wyndham Rewards Earner Plus over Wyndham Rewards Earner Premier?
Choose Wyndham Rewards Earner Plus if Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.. Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 3.6% effective (4x points).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $95 annual fee requires enough spend in bonus categories to offset.
- Wyndham Rewards value depends on how you redeem, not straight cash back.
Common questions about Wyndham Rewards Earner Premier vs Wyndham Rewards Earner Plus
Which card is better between Wyndham Rewards Earner Premier and Wyndham Rewards Earner Plus?
Wyndham Rewards Earner Premier is the stronger overall fit because it leads on Madeen's weighted scorecard (52 vs 48) across categories, bonus, benefits, and fee. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: Wyndham Rewards Earner Premier or Wyndham Rewards Earner Plus?
Dining is effectively a tie on effective rate in this snapshot.
Which card is better for cashback users: Wyndham Rewards Earner Premier or Wyndham Rewards Earner Plus?
Wyndham Rewards Earner Plus is the better cashback-style pick between Wyndham Rewards Earner Premier and Wyndham Rewards Earner Plus.
Which welcome bonus is stronger between Wyndham Rewards Earner Premier and Wyndham Rewards Earner Plus?
If you are chasing a welcome bonus, Wyndham Rewards Earner Premier leads on catalog bonus value. For long-term category earn after the bonus, Wyndham Rewards Earner Plus is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: Wyndham Rewards Earner Premier or Wyndham Rewards Earner Plus?
Wyndham Rewards Earner Premier leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: Wyndham Rewards Earner Premier or Wyndham Rewards Earner Plus?
Wyndham Rewards Earner Plus has the simpler fee story in this pair ($395 vs $95). Annual fee only wins if you use the rewards and credits that justify it.
Is Wyndham Rewards Earner Premier or Wyndham Rewards Earner Plus better for travel spend?
Wyndham Rewards Earner Premier is the stronger travel-style pick between Wyndham Rewards Earner Premier and Wyndham Rewards Earner Plus in this snapshot.
Can you hold both Barclays cards?
Yes, many people can hold both Barclays cards when each covers a different spend lane and the combined fees still make sense.
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-08-16
Content tier Premium depth
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