Citi® / AAdvantage® Executive vs Wyndham Rewards Earner® Card
Side-by-side comparison
| Citi® / AAdvantage® Executive | Wyndham Rewards Earner® Card | |
|---|---|---|
| Annual fee | $595 | No annual fee |
| Welcome offer | 70,000 AAdvantage® Miles | Up to 75,000 points |
| Dining | 1x | 3x |
| Groceries | 1x | 3x |
| Gas | 1x | 3x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $292 | $515 |
| Points type | Locked to American Airlines AAdvantage | Locked to Wyndham Rewards |
| Network | Mastercard | 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 Citi® / AAdvantage® Executive earns about $292 a year in rewards and the Wyndham Rewards Earner® Card about $515, valuing every point at a flat 1 cent. The Citi® / AAdvantage® Executive charges $595, which you clear through its rewards and perks. The Wyndham Rewards Earner® Card has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Wyndham Rewards Earner® Card delivers more total value, about $818 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Wyndham Rewards Earner® Card if your spending leans toward dining, groceries, gas.