American Express Platinum Barclays Wyndham Rewards Earner Plus
American Express Platinum
$895/yr
Barclays Wyndham Rewards Earner Plus
$95/yr
Every $1 · two cards
American Express Platinum earns more in 6 of 9 categories · Barclays Wyndham Rewards Earner Plus in 2
- Dining1×2¢ per $14×2.2¢ per $1
- Groceries1×2¢ per $14×2.2¢ per $1
- Gas1×2¢ per $11×0.55¢ per $1
- Flights5×10¢ per $1
up to $500,000/yr
4×2.2¢ per $1 - Hotels5×10¢ per $1
via American Express Travel
4×2.2¢ per $1 - Everything else1×2¢ per $11×0.55¢ 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
American Express
Platinum
- Annual fee
- $895
- Network
- amex
- Welcome value
- —
- Min spend
- $12,000 / 6mo
Top earning rates
- 5×Flights booked directly with airlines or through American Express Travel® · Membership Rewards
- 5×Prepaid hotels · Membership Rewards
- 5×Prepaid short-term rentals with Airbnb · Membership Rewards
- 2×Eligible travel purchases · Membership Rewards
Key benefits
- Cell Phone Protection · $800
- Trip Delay Insurance · $500
- $300 Equinox Credit · $300
- $600 Lodging Credit · $300
- $250 Airbnb Experiences Credit · $250
Barclays
Wyndham Rewards Earner Plus
- Annual fee
- $95
- Network
- mastercard
- Welcome value
- —
- Min spend
- $1,500 / 6mo
Top earning rates
- 6×Eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles · Wyndham Rewards
- 4×Eligible Vacation Club purchases · Wyndham Rewards
- 4×Dining · Wyndham Rewards
- 4×Travel · Wyndham Rewards
Key benefits
- $50 Annual Meal Delivery Services Credit · $25
- Anniversary Bonus Points · $0
- Earn Free Night Every Year · $0
- Save 15% When You Buy Points · $0
- No Foreign Transaction Fees · $0
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.
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