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Wyndham Rewards Earner Plus Card vs Capital One Platinum Secured Mastercard

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $95/yr; the Capital One Platinum Secured Mastercard from Capital One at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureWyndham Rewards Earner Plus CardCapital One Platinum Secured Mastercard
Annual fee$95$0
Sign-up bonus45,000 pointsNot advertised
Bonus value (est.)$450-
Min spend to unlock bonus$1,000 in 3 mo-
IssuerBarclaysCapital One
Card categoryhotelsecured
Best earning category (Wyndham)6x1x
Transfer partnersNoneNone
Headline benefits
  • 15,000 anniversary points
  • Diamond status in year one
  • 4x dining, groceries, travel + gas
  • 6x at Hotels by Wyndham
    Read the full review
    Wyndham Rewards Earner Plus Card
    $95/yr · 45,000 points
    Read the full review
    Capital One Platinum Secured Mastercard
    $0/yr ·

    Editorial take: Wyndham Rewards Earner Plus Card

    Underrated card for Wyndham stays and Caesars properties (which take Wyndham points). The 15,000 anniversary points, awarded after the annual fee is paid, offset much of the $95 fee, and Diamond status in the first year (then Platinum) adds early check-in and late checkout.

    Editorial take: Capital One Platinum Secured Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or Capital One Platinum Secured Mastercard?
    The Wyndham Rewards Earner Plus Card has a public bonus (45,000 points, worth roughly $450), while the Capital One Platinum Secured Mastercard doesn't advertise one right now.
    Is the Wyndham Rewards Earner Plus Card's $95 annual fee worth it compared to the Capital One Platinum Secured Mastercard?
    At $95/yr, the Wyndham Rewards Earner Plus Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Capital One Platinum Secured Mastercard's, pick the one whose perks you'll actually use.
    Can I have both the Wyndham Rewards Earner Plus Card and Capital One Platinum Secured Mastercard?
    Yes, since they're from different issuers (Barclays and Capital One) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
    Should I get the Wyndham Rewards Earner Plus Card or the Capital One Platinum Secured Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Wyndham Rewards Earner Plus Card: $1,000 spend in 3 months. Capital One Platinum Secured Mastercard: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.