United Club vs Wyndham Rewards Earner Business
United Club
$695/yr
5.5/10
VS
Wyndham Rewards Earner Business
$95/yr
6.5/10
Quick Answer
United Club charges $695/yr with 1X base rewards. Wyndham Rewards Earner Business charges $95/yr with 1X base rewards. Wyndham Rewards Earner Business 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 Business
Lower annual fee ($695 vs $95)
Rewards Earning
Wyndham Rewards Earner Business
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 Business wins for most people
The $600 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards Earner BusinessPREMIUM 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 Business
| Wyndham hotel & resorts | 8.0X |
| Gas stations & restaurants | 5.0X |
| Everything else | 1.0X |