Bilt vs Wyndham Rewards Earner Plus
Bilt
$0/yr
7.5/10
VS
Wyndham Rewards Earner Plus
$75/yr
6.5/10
Quick Answer
Bilt charges no annual fee with 1X base rewards. Wyndham Rewards Earner Plus charges $75/yr with 1X base rewards. Bilt 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
Bilt
Lower annual fee ($0 vs $75)
Rewards Earning
Bilt
4 earning categories
Benefits & Protection
Bilt
4 benefits vs 0
Flexibility
Bilt
Transferable points to airline/hotel partners
OUR PICK
Bilt wins for most people
The $75 fee difference is hard to justify unless you maximize premium benefits.
Apply for BiltPREMIUM PICK
Wyndham Rewards Earner Plus 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 PlusRewards Earning: Detailed Comparison
Bilt
| Dining on Rent Day | 3.0X |
| Travel | 2.0X |
| Rent payments | 1.0X |
| Everything else | 1.0X |
Wyndham Rewards Earner Plus
| Wyndham hotel & resorts | 6.0X |
| Gas stations & restaurants | 4.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Bilt (4 benefits)
- Trip Cancellation and Interruption Insurance (up to $5,000)
- Purchase Assurance (up to $10,000)
- Extended Warranty
- Cell Phone Protection (up to $800)
Wyndham Rewards Earner Plus (0 benefits)
No benefits data available