Rakuten vs Wyndham Rewards Earner Business
Rakuten
$0/yr
7.0/10
VS
Wyndham Rewards Earner Business
$95/yr
6.5/10
Quick Answer
Rakuten charges no annual fee with 1X base rewards. Wyndham Rewards Earner Business charges $95/yr with 1X base rewards. Rakuten 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
Rakuten
Lower annual fee ($0 vs $95)
Rewards Earning
Wyndham Rewards Earner Business
3 earning categories
Benefits & Protection
Rakuten
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Rakuten wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for RakutenPREMIUM 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
Rakuten
| Rakuten partner stores | 3.0X |
| Everything else | 1.0X |
Wyndham Rewards Earner Business
| Wyndham hotel & resorts | 8.0X |
| Gas stations & restaurants | 5.0X |
| Everything else | 1.0X |