Should I get the USAA Cashback Rewards Plus American Express Card or the Wyndham Rewards Earner Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the USAA Cashback Rewards Plus American Express Card or the Wyndham Rewards Earner Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Should I get the USAA Cashback Rewards Plus American Express Card or the Wyndham Rewards Earner Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

USAA Cashback Rewards Plus American Express Card vs Wyndham Rewards Earner Card

Both cards cost $0/yr. The USAA Cashback Rewards Plus American Express Card is better for gas stations, while the Wyndham Rewards Earner Card wins on wyndham hotels. Here's how they compare.

No image

USAA Cashback Rewards Plus American Express Card

USAA

No image

Wyndham Rewards Earner Card

Barclays

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Hotel

Earn Rates

Category	USAA Cashback Rewards Plus American Express Card	Wyndham Rewards Earner Card
Gas Stations	5X	5X
Military Base Purchases	5X	1X
Wyndham Hotels	1X	5X
Dining	1X	2X
Grocery Stores	2X	2X
Everything Else	1X

Benefits & Features

Network

AMEX

VISA

Key Benefits

None

Pros & Cons

Pros

+5% cash back on gas stations
+5% cash back on military base purchases (commissaries, exchanges)
+2% cash back at grocery stores
+No annual fee
+Competitive rates for USAA members

+No annual fee makes it easy to keep long-term for status
+Automatic Gold status for life of card (free Wi-Fi, late checkout)
+60,000 point welcome bonus worth up to 8 free nights
+5x points on Wyndham stays - solid for brand loyalists
+10% discount when redeeming points for free nights

Cons

−Restricted to USAA-eligible military members and families
−American Express network less widely accepted than Visa/Mastercard
1% foreign transaction fee

Category-by-Category Winner

The Wyndham Rewards Earner Card wins in 2 of 3 categories. The USAA Cashback Rewards Plus American Express Card leads in 1.

Military Base Purchases

USAA Cashback Rewards Plus American Express Card earns 5X vs 1X

Wyndham Hotels

Wyndham Rewards Earner Card earns 5X vs 1X

Dining

Wyndham Rewards Earner Card earns 2X vs 1X

Which Card Is Right for You?

Get the Wyndham Rewards Earner Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the USAA Cashback Rewards Plus American Express Card or Wyndham Rewards Earner Card?: The Wyndham Rewards Earner Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the USAA Cashback Rewards Plus American Express Card or the Wyndham Rewards Earner Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

USAA Cashback Rewards Plus American Express Card — Full Review All USAA Cards

Wyndham Rewards Earner Card — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: USAA cards · Barclays cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

USAA Cashback Rewards Plus American Express Card vs Wyndham Rewards Earner Card

Both cards cost $0/yr. The USAA Cashback Rewards Plus American Express Card is better for gas stations, while the Wyndham Rewards Earner Card wins on wyndham hotels. Here's how they compare.

No image

USAA Cashback Rewards Plus American Express Card

USAA

No image

Wyndham Rewards Earner Card

Barclays

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Hotel

Earn Rates

Category	USAA Cashback Rewards Plus American Express Card	Wyndham Rewards Earner Card
Gas Stations	5X	5X
Military Base Purchases	5X	1X
Wyndham Hotels	1X	5X
Dining	1X	2X
Grocery Stores	2X	2X
Everything Else	1X

Benefits & Features

Network

AMEX

VISA

Key Benefits

None

Pros & Cons

Pros

+5% cash back on gas stations
+5% cash back on military base purchases (commissaries, exchanges)
+2% cash back at grocery stores
+No annual fee
+Competitive rates for USAA members

+No annual fee makes it easy to keep long-term for status
+Automatic Gold status for life of card (free Wi-Fi, late checkout)
+60,000 point welcome bonus worth up to 8 free nights
+5x points on Wyndham stays - solid for brand loyalists
+10% discount when redeeming points for free nights

Cons

−Restricted to USAA-eligible military members and families
−American Express network less widely accepted than Visa/Mastercard
1% foreign transaction fee

Category-by-Category Winner

The Wyndham Rewards Earner Card wins in 2 of 3 categories. The USAA Cashback Rewards Plus American Express Card leads in 1.

Military Base Purchases

USAA Cashback Rewards Plus American Express Card earns 5X vs 1X

Wyndham Hotels

Wyndham Rewards Earner Card earns 5X vs 1X

Dining

Wyndham Rewards Earner Card earns 2X vs 1X

Which Card Is Right for You?

Get the Wyndham Rewards Earner Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the USAA Cashback Rewards Plus American Express Card or Wyndham Rewards Earner Card?: The Wyndham Rewards Earner Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the USAA Cashback Rewards Plus American Express Card or the Wyndham Rewards Earner Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

USAA Cashback Rewards Plus American Express Card — Full Review All USAA Cards

Wyndham Rewards Earner Card — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: USAA cards · Barclays cards

USAA Cashback Rewards Plus American Express Card vs Wyndham Rewards Earner Card

Both cards cost $0/yr. The USAA Cashback Rewards Plus American Express Card is better for gas stations, while the Wyndham Rewards Earner Card wins on wyndham hotels. Here's how they compare.

No image

USAA Cashback Rewards Plus American Express Card

USAA

No image

Wyndham Rewards Earner Card

Barclays

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Hotel

Earn Rates

Category	USAA Cashback Rewards Plus American Express Card	Wyndham Rewards Earner Card
Gas Stations	5X	5X
Military Base Purchases	5X	1X
Wyndham Hotels	1X	5X
Dining	1X	2X
Grocery Stores	2X	2X
Everything Else	1X

Benefits & Features

Network

AMEX

VISA

Key Benefits

None

Pros & Cons

Pros

+5% cash back on gas stations
+5% cash back on military base purchases (commissaries, exchanges)
+2% cash back at grocery stores
+No annual fee
+Competitive rates for USAA members

+No annual fee makes it easy to keep long-term for status
+Automatic Gold status for life of card (free Wi-Fi, late checkout)
+60,000 point welcome bonus worth up to 8 free nights
+5x points on Wyndham stays - solid for brand loyalists
+10% discount when redeeming points for free nights

Cons

−Restricted to USAA-eligible military members and families
−American Express network less widely accepted than Visa/Mastercard
1% foreign transaction fee

Category-by-Category Winner

The Wyndham Rewards Earner Card wins in 2 of 3 categories. The USAA Cashback Rewards Plus American Express Card leads in 1.

Military Base Purchases

USAA Cashback Rewards Plus American Express Card earns 5X vs 1X

Wyndham Hotels

Wyndham Rewards Earner Card earns 5X vs 1X

Dining

Wyndham Rewards Earner Card earns 2X vs 1X

Which Card Is Right for You?

Get the Wyndham Rewards Earner Card if you:

+Spend $300+/month on restaurants and dining out

Frequently Asked Questions

Which card earns more rewards, the USAA Cashback Rewards Plus American Express Card or Wyndham Rewards Earner Card?: The Wyndham Rewards Earner Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the USAA Cashback Rewards Plus American Express Card or the Wyndham Rewards Earner Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

USAA Cashback Rewards Plus American Express Card — Full Review All USAA Cards

Wyndham Rewards Earner Card — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: USAA cards · Barclays cards