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Wyndham Rewards Earner Plus Card vs Capital One Spark Cash Plus

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $95/yr; the Capital One Spark Cash Plus from Capital One at $150/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Capital One Spark Cash Plus is the stronger pick today, the sign-up bonus is meaningfully larger ($1,550 more in estimated value) than the Wyndham Rewards Earner Plus Card's. Get the Capital One Spark Cash Plus first; revisit the Wyndham Rewards Earner Plus Card after you've earned that bonus.

FeatureWyndham Rewards Earner Plus CardCapital One Spark Cash Plus
Annual fee$95$150
Sign-up bonus45,000 points$2,000 cash bonus
Bonus value (est.)$450$2,000
Min spend to unlock bonus$1,000 in 3 mo$30,000 in 3 mo
IssuerBarclaysCapital One
Card categoryhotelbusiness
Best earning category (Wyndham)6x1x
Transfer partnersNoneNone
Headline benefits
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
    Read the full review
    Wyndham Rewards Earner Plus Card
    $95/yr · 45,000 points
    Read the full review
    Capital One Spark Cash Plus
    $150/yr · $2,000 cash bonus

    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 Spark Cash Plus

    Common questions

    Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or Capital One Spark Cash Plus?
    The Capital One Spark Cash Plus has the bigger bonus, $2,000 cash bonus, worth roughly $2,000, versus 45,000 points (~$450) on the Wyndham Rewards Earner Plus Card.
    Is the Wyndham Rewards Earner Plus Card's $95 annual fee worth it compared to the Capital One Spark Cash Plus?
    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 Spark Cash Plus's, pick the one whose perks you'll actually use.
    Can I have both the Wyndham Rewards Earner Plus Card and Capital One Spark Cash Plus?
    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 Spark Cash Plus 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 Spark Cash Plus: $30,000 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.