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Side-by-side

Wyndham Rewards Earner Plus Card vs Citi Double Cash

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $75/yr; the Citi Double Cash from Citi 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 CardCiti Double Cash
Annual fee$75$0
Sign-up bonus45,000 points$200 cash back
Bonus value (est.)$450$200
Min spend to unlock bonus$1,000 in 3 mo$1,500 in 6 mo
IssuerBarclaysCiti
Card categoryhotelcashback
Best earning category (Wyndham)6x1x
Transfer partnersNoneciti-ty
Headline benefits
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
  • 2% everywhere
  • No annual fee
  • Pairs with TY Premier
  • Simple earning
Read the full review
Wyndham Rewards Earner Plus Card
$75/yr · 45,000 points
Read the full review
Citi Double Cash
$0/yr · $200 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: Citi Double Cash

The OG flat 2% card. Pairs with Custom Cash + Premier to form Citi's trifecta, turns your combined cash back into transferable ThankYou Points. Rock solid for non-bonus spend.

Common questions

Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or Citi Double Cash?
The Wyndham Rewards Earner Plus Card has the bigger bonus, 45,000 points, worth roughly $450, versus $200 cash back (~$200) on the Citi Double Cash.
Is the Wyndham Rewards Earner Plus Card's $75 annual fee worth it compared to the Citi Double Cash?
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 Citi Double Cash's, pick the one whose perks you'll actually use.
Can I have both the Wyndham Rewards Earner Plus Card and Citi Double Cash?
Yes, since they're from different issuers (Barclays and Citi) 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 Citi Double Cash 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. Citi Double Cash: $1,500 in 6 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.