United Club vs Wyndham Rewards Earner
United Club
$695/yr
5.5/10
VS
Wyndham Rewards Earner
$0/yr
7.0/10
Quick Answer
United Club charges $695/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 ($695 vs $0)
Rewards Earning
Wyndham Rewards Earner
3 earning categories
Benefits & Protection
United Club
0 benefits vs 0
Statement Credits
United Club
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Wyndham Rewards Earner wins for most people
The $695 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards EarnerPREMIUM PICK
United Club wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ClubRewards Earning: Detailed Comparison
United Club
| United Airlines purchases | 2.0X |
| Everything else | 1.5X |
Wyndham Rewards Earner
| Wyndham hotel & resorts | 5.0X |
| Gas stations & restaurants | 2.0X |
| Everything else | 1.0X |