United Gateway vs Wyndham Rewards Earner Plus
United Gateway
$0/yr
7.0/10
VS
Wyndham Rewards Earner Plus
$75/yr
6.5/10
Quick Answer
United Gateway charges no annual fee with 1X base rewards. Wyndham Rewards Earner Plus charges $75/yr with 1X base rewards. United Gateway 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
United Gateway
Lower annual fee ($0 vs $75)
Rewards Earning
United Gateway
4 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
United Gateway wins for most people
The $75 fee difference is hard to justify unless you maximize premium benefits.
Apply for United GatewayPREMIUM 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
United Gateway
| United Airlines purchases | 2.0X |
| Gas stations | 2.0X |
| Local transit & commuting | 2.0X |
| Everything else | 1.0X |
Wyndham Rewards Earner Plus
| Wyndham hotel & resorts | 6.0X |
| Gas stations & restaurants | 4.0X |
| Everything else | 1.0X |