American Express® Gold vs Wyndham Rewards Earner® Premier Card
Side-by-side comparison
| American Express® Gold | Wyndham Rewards Earner® Premier Card | |
|---|---|---|
| Annual fee | $325 | $395 |
| Welcome offer | 100,000 Membership Rewards® Points | Up to 120,000 points |
| Dining | 4x | 4x |
| Groceries | 4x | 4x |
| Gas | 1x | 4x |
| Travel | 3x | 4x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $598 | $680 |
| Points type | Transfers to airlines & hotels | Locked to Wyndham Rewards |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the American Express® Gold earns about $598 a year in rewards and the Wyndham Rewards Earner® Premier Card about $680, valuing every point at a flat 1 cent. The American Express® Gold charges $325, but carries about $424 in annual statement credits that offset it for anyone who uses them. The Wyndham Rewards Earner® Premier Card charges $395, but carries about $220 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the American Express® Gold delivers more total value, about $89 a year more for a typical spender, mostly because it carries more in annual statement credits. The bigger difference is the ceiling: the American Express® Gold earns points you can move to travel partners for outsized value, while the Wyndham Rewards Earner® Premier Card stays locked to a single airline or hotel program. Favor the American Express® Gold if you will use travel transfers, the Wyndham Rewards Earner® Premier Card if you want simplicity. On the sign-up bonus, the Wyndham Rewards Earner® Premier Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Wyndham Rewards Earner® Premier Card if your spending leans toward gas, travel.