Amtrak Guest Rewards vs Wyndham Rewards Earner Business
Amtrak Guest Rewards
$0/yr
7.0/10
VS
Wyndham Rewards Earner Business
$95/yr
6.5/10
Quick Answer
Amtrak Guest Rewards charges no annual fee with 1X base rewards. Wyndham Rewards Earner Business charges $95/yr with 1X base rewards. Amtrak Guest Rewards 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
Amtrak Guest Rewards
Lower annual fee ($0 vs $95)
Rewards Earning
Amtrak Guest Rewards
3 earning categories
Benefits & Protection
Amtrak Guest Rewards
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Amtrak Guest Rewards wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for Amtrak Guest RewardsPREMIUM PICK
Wyndham Rewards Earner Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Wyndham Rewards Earner BusinessRewards Earning: Detailed Comparison
Amtrak Guest Rewards
| Amtrak purchases | 3.0X |
| Dining | 2.0X |
| Everything else | 1.0X |
Wyndham Rewards Earner Business
| Wyndham hotel & resorts | 8.0X |
| Gas stations & restaurants | 5.0X |
| Everything else | 1.0X |