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Last updated
Six value dimensions, scored 0–100. The solid bar leads that dimension.
Earning power
Statement credits
Lounge access
Hotel & status
Protections
Low annual fee
| Perk | Frontier MastercardBarclays | Wyndham Earner+Barclays |
|---|---|---|
| Costs & value | ||
| Annual fee | $99 Verified by source | $75 Verified by source |
| Realized value* | $140 | $75 |
| Net / year | +$41 | +$0 |
| Value check | Earns its keep | Earns its keep |
| Rewards | miles | points |
| Cash advance (ATM) | Either $10 or 5% of the amount of each cash advance, whichever is greater Verified by source | Either $10 or 5% of the amount of each cash advance, whichever is greater Verified by source |
| Points & MilesFull breakdown → | ||
| Earn rates | 5× Frontier purchases Verified by source 3× Restaurants Verified by source 1× Everything else Verified by source | 6× Hotels by Wyndham Verified by source 6× Gas Verified by source 4× Dining Verified by source 4× Groceries (excl. Target/Walmart) Verified by source 1× Everything else Verified by source |
| Redemption ValueFull breakdown → | ||
| Portal value | 1¢ per pt Inferred by source | 1¢ per pt Inferred by source |
| Hotel PerksFull breakdown → | ||
| Wyndham Platinum status | — | Included Verified by source |
| CreditsFull breakdown → | ||
| Credits | 1 credit · $140/yr | 1 credit · $75/yr |
| Foreign Tx FeesFull breakdown → | ||
| Fee | None Verified by source | None Verified by source |
| Apply & freshness | ||
| Data last verified | Jun 6, 2026 | Jun 6, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Frontier Airlines World Mastercard® comes out ahead: by realized value minus the annual fee, the Frontier Airlines World Mastercard® nets +$41/yr and the Wyndham Rewards Earner+ Card nets +$0/yr. Which is actually better depends on your spending and which perks you'll use.
The Wyndham Rewards Earner+ Card has the lower annual fee ($75 vs $99).
Neither includes airport lounge access.