Amex Business Gold vs Wyndham Earner Plus: Which Is Better In 2026?

Wyndham Rewards Earner Plus Breakdown

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Why We Like It

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Here’s a closer look at why we think the Wyndham Rewards Earner® Plus Card is a strong choice for Wyndham loyalists.

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• The card offers accelerated rewards on everyday purchases like gas and dining, in addition to hotel stays.
• Cardholders receive a points bonus each year upon renewal, which can be used toward award nights.
• It grants automatic Platinum status in the Wyndham Rewards program, unlocking valuable travel benefits from day one.

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Pros

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• A valuable welcome offer for new cardmembers.
• Automatic Platinum status in the Wyndham Rewards program.
• No foreign transaction fees.

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Cons

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• The card has an annual fee, and the yearly anniversary points may not be enough for a free night at higher-tier hotels.
• Rewards are geared toward Wyndham loyalists, offering less flexibility than a general travel card.
• Transferring points to airline partners provides limited value compared to hotel redemptions.

Wyndham Rewards Earner Plus vs American Express® Business Gold Card

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Categories

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Deciding which is better, Amex Business Gold or Wyndham Earner Plus, comes down to whether your primary spending is for business operations or personal travel and brand loyalty.

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• American Express® Business Gold Card - This card is a versatile tool designed for business owners, particularly those with variable expenses across a wide range of categories.
• Wyndham Rewards Earner® Plus Card - This card is best suited for frequent travelers who are loyal to Wyndham properties and want to earn rewards on hotel stays and everyday spending.

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Redemption

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American Express® Business Gold Card: Points earned with this card offer significant flexibility, allowing transfers to a wide network of airline and hotel partners or redemptions for travel, gift cards, and statement credits.

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Wyndham Rewards Earner® Plus Card: Rewards are primarily redeemed for stays across the Wyndham portfolio, offering a straightforward way for loyal customers to get free or discounted nights.

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Compare Top Rated Credit Cards with Kudos

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To make an informed decision, you can use a tool like Kudos to compare top-rated cards based on your own spending habits.

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• “Test drive” credit cards using your real spending data to see personalized earnings projections before you apply, without impacting your credit score.
• Receive detailed approval odds based on your credit report to help you apply with confidence.
• Get a welcome offer guarantee, where Kudos will match a better public offer if you find one within three months of approval.
• Unlock a $100 Kudos Kickstart+ reward by adding select approved cards to your Kudos Wallet.
• Earn extra Kudos Boost rewards on top of your regular card rewards when shopping at participating stores.

Who Should Choose the American Express® Business Gold Card?

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The American Express® Business Gold Card is best suited for established business owners with significant annual spending, typically over $50,000. It's designed for companies with variable expenses, as it automatically rewards your top two spending categories each billing cycle with 4X points on up to $150,000 in combined purchases annually, then 1X (Terms Apply). This makes it a strong choice for entrepreneurs who value flexible rewards and organizations that frequently travel or have substantial costs in areas like advertising, shipping, or technology.

Who Should Choose the Wyndham Rewards Earner Plus?

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The Wyndham Rewards Earner® Plus Card is tailor-made for loyalists of the Wyndham brand who frequently stay at its portfolio of hotels, vacation rentals, and timeshares. This card best suits travelers looking to maximize rewards on their stays and on everyday spending categories like gas and dining. In exchange for its $75 annual fee, cardholders can quickly accumulate points for free nights and gain immediate access to valuable perks like early check-in through automatic Platinum status.

Alternatives to Consider

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If the Amex Business Gold vs Wyndham Earner Plus comparison shows that neither the American Express® Business Gold Card nor the Wyndham Rewards Earner Plus is quite right for you, don't fret. There are plenty of other excellent cards that might be a better match for your business or travel needs.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score - Most rewards cards require good to excellent credit for approval.
• Plan your spending - Make sure you can naturally meet the welcome offer spending requirement.
• Know the rules - Be aware of issuer-specific application rules that might affect your eligibility.

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Application Strategy

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• Time it right - Apply before a large planned purchase to help meet the spending requirement for the welcome offer.
• Check for restrictions - Some issuers, like American Express, may limit welcome offers to once per lifetime for a specific card.
• Don't settle - If you receive a lower offer than you expected, you can sometimes decline and reapply later for a better one.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I use the Wyndham Earner Plus card for business expenses?

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The Wyndham Earner Plus is a personal credit card, so it's generally best to keep business and personal expenses separate for easier accounting. The American Express® Business Gold Card, on the other hand, is specifically designed for business spending.

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Do points from the American Express® Business Gold Card transfer to Wyndham?

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Yes, American Express Membership Rewards points can be transferred to Wyndham Rewards, offering flexibility for earning hotel stays. Be sure to check the current transfer ratio on the American Express website, as it can change, and note that terms apply.

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Which card has a better welcome offer?

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Welcome offers for both cards change frequently, so it's best to review the current promotions directly from each issuer. The American Express® Business Gold Card provides a Membership Rewards points-based Welcome Offer (terms apply), while the Wyndham Earner Plus card's offer is in Wyndham Rewards points.

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