United Explorer vs Wyndham Rewards Earner
United Explorer
$150/yr
6.0/10
VS
Wyndham Rewards Earner
$0/yr
7.0/10
Quick Answer
United Explorer charges $150/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 ($150 vs $0)
Rewards Earning
United Explorer
4 earning categories
Benefits & Protection
United Explorer
0 benefits vs 0
Statement Credits
United Explorer
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Wyndham Rewards Earner wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards EarnerPREMIUM PICK
United Explorer wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ExplorerRewards Earning: Detailed Comparison
United Explorer
| United Airlines purchases | 2.0X |
| Dining | 2.0X |
| Hotel stays | 2.0X |
| Everything else | 1.0X |
Wyndham Rewards Earner
| Wyndham hotel & resorts | 5.0X |
| Gas stations & restaurants | 2.0X |
| Everything else | 1.0X |