Marriott Bonvoy Business® American Express® Card vs Wyndham Rewards Earner® Business Card
Side-by-side comparison
| Marriott Bonvoy Business® American Express® Card | Wyndham Rewards Earner® Business Card | |
|---|---|---|
| Annual fee | $125 | $149 |
| Welcome offer | 100,000 points | |
| Advertising | 2% | 5% |
| Shipping | 4% | 5% |
| Office supplies | 2% | 5% |
| Phone & internet | 4% | 1% |
| Travel | 2% | 1% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $1,092 | $1,170 |
| Points type | Locked to Marriott Bonvoy | Locked to Wyndham Rewards |
| Network | Amex | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Marriott Bonvoy Business® American Express® Card | Wyndham Rewards Earner® Business Card |
|---|---|---|
| Welcome bonus | 150,000 points + $125 statement credit | 100,000 points |
| To earn it | $8,000 in 6 months | $3,000 in 3 months |
| Est. first-year value* | $2,467 | $2,021 |
| Est. ongoing value / yr* | $967 | $1,021 |
This one splits by time horizon. In year one the Marriott Bonvoy Business® American Express® Card is ahead by roughly $446, thanks largely to its welcome offer. But the Wyndham Rewards Earner® Business Card earns more every year after, so if you keep it, it overtakes the Marriott Bonvoy Business® American Express® Card after about 9 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Marriott Bonvoy Business® American Express® Card. Planning to keep it for years? The Wyndham Rewards Earner® Business Card pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Marriott Bonvoy Business® American Express® Card | Wyndham Rewards Earner® Business Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Locked to a single program | Locked to a single program |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of business spending, the Marriott Bonvoy Business® American Express® Card earns about $1,092 a year in rewards and the Wyndham Rewards Earner® Business Card about $1,170, valuing every point at a flat 1 cent. The Marriott Bonvoy Business® American Express® Card charges $125, which you clear through its rewards and perks. The Wyndham Rewards Earner® Business Card charges $149, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Wyndham Rewards Earner® Business Card delivers more total value, about $54 a year more for a typical spender, mostly because it earns more where you spend most, on advertising and office supplies. 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 Marriott Bonvoy Business® American Express® Card currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Marriott Bonvoy Business® American Express® Card if your spending leans toward phone & internet, travel, everything else. Pick the Wyndham Rewards Earner® Business Card if your spending leans toward advertising, shipping, office supplies.