Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Wyndham Rewards Earner Plus Card vs Capital One Savor

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $75/yr; the Capital One Savor 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 Savor
Annual fee$75$0
Sign-up bonus45,000 points$250 cash back
Bonus value (est.)$450$250
Min spend to unlock bonus$1,000 in 3 mo$500 in 3 mo
IssuerBarclaysCapital One
Card categoryhotelcashback
Best earning category (Wyndham)6x1x
Transfer partnersNoneNone
Headline benefits
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
  • 3% dining + entertainment
  • 3% grocery + streaming
  • No annual fee
  • No foreign tx fees
Read the full review
Wyndham Rewards Earner Plus Card
$75/yr · 45,000 points
Read the full review
Capital One Savor
$0/yr · $250 cash back

Editorial take: Wyndham Rewards Earner Plus Card

Underrated card for Vacasa rentals and Caesars properties (which take Wyndham points). The 7,500 anniversary points alone (~$75 in value) make the fee a wash; Platinum status adds late checkout and 15% bonus.

Editorial take: Capital One Savor

If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.

Common questions

Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or Capital One Savor?
The Wyndham Rewards Earner Plus Card has the bigger bonus, 45,000 points, worth roughly $450, versus $250 cash back (~$250) on the Capital One Savor.
Is the Wyndham Rewards Earner Plus Card's $75 annual fee worth it compared to the Capital One Savor?
At $75/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 Savor's, pick the one whose perks you'll actually use.
Can I have both the Wyndham Rewards Earner Plus Card and Capital One Savor?
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 Savor 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 Savor: $500 in 3 months. 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.