United℠ Business Card vs Wyndham Rewards Earner® Card
Side-by-side comparison
| United℠ Business Card | Wyndham Rewards Earner® Card | |
|---|---|---|
| Annual fee | $150 | No annual fee |
| Welcome offer | 100,000 miles | Up to 75,000 points |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 2% | 1% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $570 | $534 |
| Points type | Locked to United MileagePlus | Locked to Wyndham Rewards |
| Network | Visa | 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 business spending, the United℠ Business Card earns about $570 a year in rewards and the Wyndham Rewards Earner® Card about $534, valuing every point at a flat 1 cent. The United℠ Business Card charges $150, 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 $114 a year more for a typical spender, mostly because it skips the annual fee the other charges. 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 United℠ Business 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 United℠ Business Card if your spending leans toward office supplies, travel.