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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 | Wyndham Earner+Barclays | Samsung GalaxyBarclays |
|---|---|---|
| Costs & value | ||
| Annual fee | $75 Verified by source | $0 Verified by source |
| Realized value* | $75 | $0 |
| Net / year | +$0 | +$0 |
| Value check | Earns its keep | Earns its keep |
| Rewards | points | cashback |
| 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 Inferred by source |
| Points & MilesFull breakdown → | ||
| Earn rates | 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 | 5× Purchases made directly from Samsung Verified by source 3× Samsung Wallet purchases Verified by source 2× Select streaming services Verified by source 1× Everything else Verified by source |
| Redemption ValueFull breakdown → | ||
| Portal value | 1¢ per pt Inferred by source | 1¢ per pt Verified by source |
| Hotel PerksFull breakdown → | ||
| Wyndham Platinum status | Included Verified by source | — |
| CreditsFull breakdown → | ||
| Credits | 1 credit · $75/yr | — |
| Foreign Tx FeesFull breakdown → | ||
| Fee | None Verified by source | None Verified by source |
| CashbackFull breakdown → | ||
| Rate | — | 5% direct from Samsung, 3% Samsung Wallet, 2% streaming, 1% everything else Verified by source |
| Apply & freshness | ||
| Data last verified | Jun 6, 2026 | Aug 1, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
They net about the same by realized value minus fee, so it comes down to your spending and which perks you'll actually use.
The Samsung Galaxy Card has the lower annual fee ($0 vs $75).
Neither includes airport lounge access.