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Side-by-side

Wyndham Rewards Earner Plus Card vs Chase Freedom Unlimited

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $75/yr; the Chase Freedom Unlimited from Chase 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 CardChase Freedom Unlimited
Annual fee$75$0
Sign-up bonus45,000 points$200 bonus
Bonus value (est.)$450$200
Min spend to unlock bonus$1,000 in 3 mo$500 in 3 mo
IssuerBarclaysChase
Card categoryhotelcashback
Best earning category (Wyndham)6x1x
Transfer partnersNonechase-ur
Headline benefits
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
  • 1.5% everywhere
  • 5% on travel via Chase
  • 3% dining + drugstores
  • Free if paired with Sapphire
Read the full review
Wyndham Rewards Earner Plus Card
$75/yr · 45,000 points
Read the full review
Chase Freedom Unlimited
$0/yr · $200 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: Chase Freedom Unlimited

The best no-fee cash back card in the Chase family. Stack it with a Sapphire and your cash back converts into transferable Ultimate Rewards points, a free upgrade most people miss. Note: Cell phone protection is on Freedom Flex, not Freedom Unlimited.

Common questions

Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or Chase Freedom Unlimited?
The Wyndham Rewards Earner Plus Card has the bigger bonus, 45,000 points, worth roughly $450, versus $200 bonus (~$200) on the Chase Freedom Unlimited.
Is the Wyndham Rewards Earner Plus Card's $75 annual fee worth it compared to the Chase Freedom Unlimited?
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 Chase Freedom Unlimited's, pick the one whose perks you'll actually use.
Can I have both the Wyndham Rewards Earner Plus Card and Chase Freedom Unlimited?
Yes, since they're from different issuers (Barclays and Chase) 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 Chase Freedom Unlimited 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. Chase Freedom Unlimited: $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.