United Club℠ Business Card vs Wyndham Rewards Earner® Plus Card
Side-by-side comparison
| United Club℠ Business Card | Wyndham Rewards Earner® Plus Card | |
|---|---|---|
| Annual fee | $695 | $75 |
| Welcome offer | 110,000 miles | Up to 100,000 points |
| Advertising | 1.5% | 1% |
| Shipping | 1.5% | 1% |
| Office supplies | 1.5% | 1% |
| Phone & internet | 1.5% | 1% |
| Travel | 2% | 4% |
| Everything else | 1.5% | 1% |
| Est. yearly rewards* | $699 | $720 |
| 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 Club℠ Business Card earns about $699 a year in rewards and the Wyndham Rewards Earner® Plus Card about $720, valuing every point at a flat 1 cent. The United Club℠ Business Card charges $695, which you clear through its rewards and perks. The Wyndham Rewards Earner® Plus Card charges $75, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Wyndham Rewards Earner® Plus Card delivers more total value, about $641 a year more for a typical spender, mostly because it earns more where you spend most, on travel. 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 United Club℠ Business Card if your spending leans toward advertising, shipping, office supplies. Pick the Wyndham Rewards Earner® Plus Card if your spending leans toward travel.