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All comparisons
Head-to-head, 2026

American Express Gold Barclays Wyndham Rewards Earner Premier Card

American Express Gold

$325/yr

Gold
Wyndham Rewards Earner Premier Card

Barclays Wyndham Rewards Earner Premier Card

$395/yr

Every $1 · two cards

American Express Gold earns more in 8 of 9 categories · Barclays Wyndham Rewards Earner Premier Card in 0

  • Dining
    4×8¢ per $1

    up to $50,000/yr

    4×2.2¢ per $1
  • Groceries
    4×8¢ per $1

    up to $25,000/yr

    4×2.2¢ per $1
  • Gas
    1×2¢ per $1
    1×0.55¢ per $1
  • Flights
    3×6¢ per $1
    4×2.2¢ per $1
  • Hotels
    5×10¢ per $1

    via amextravel.com

    4×2.2¢ per $1
  • Everything else
    1×2¢ per $1
    1×0.55¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: American Express Gold

American Express

Gold

Annual fee
$325
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Prepaid hotels · Membership Rewards
  • 4×US supermarkets · Membership Rewards
  • 4×Restaurants worldwide · Membership Rewards
  • 3×Flights · Membership Rewards

Key benefits

  • The Hotel Collection $100 Credit · $100
  • $100 Resy Credit · $50
  • $120 Dining Credit · $10
  • $120 Uber Cash · $10
  • $84 Dunkin' Credit · $7
Full American Express Gold review

Barclays

Wyndham Rewards Earner Premier Card

Annual fee
$395
Network
mastercard
Welcome value
—
Min spend
$6,750 / 6mo

Top earning rates

  • 8×Eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles. · Wyndham Rewards
  • 4×Dining · Wyndham Rewards
  • 4×Grocery stores · Wyndham Rewards
  • 4×Travel · Wyndham Rewards

Key benefits

  • Global Entry or TSA PreCheck application fee credit · $120
  • $100 Annual Streaming Credit · $100
  • $100 Annual Credit for Eligible Hotel Purchases · $100
  • Complimentary Wyndham Rewards Insider Subscription ($95/Year Value) · $95
  • $65 Annual Wholesale Statement Credit · $65
Full Barclays Wyndham Rewards Earner Premier Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer