Amtrak Guest Rewards Preferred vs Wyndham Rewards Earner
Amtrak Guest Rewards Preferred
$99/yr
6.0/10
VS
Wyndham Rewards Earner
$0/yr
7.0/10
Quick Answer
Amtrak Guest Rewards Preferred charges $99/yr with 1X base rewards. Wyndham Rewards Earner charges no annual fee with 1X base rewards. Wyndham Rewards Earner offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Wyndham Rewards Earner
Lower annual fee ($99 vs $0)
Rewards Earning
Amtrak Guest Rewards Preferred
3 earning categories
Benefits & Protection
Amtrak Guest Rewards Preferred
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Wyndham Rewards Earner wins for most people
The $99 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards EarnerPREMIUM PICK
Amtrak Guest Rewards Preferred wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Amtrak Guest Rewards PreferredRewards Earning: Detailed Comparison
Amtrak Guest Rewards Preferred
| Amtrak purchases | 4.0X |
| Dining & grocery | 2.0X |
| Everything else | 1.0X |
Wyndham Rewards Earner
| Wyndham hotel & resorts | 5.0X |
| Gas stations & restaurants | 2.0X |
| Everything else | 1.0X |
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