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Side-by-side

Wyndham Rewards Earner Plus Card vs Discover it Cash Back

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $75/yr; the Discover it Cash Back from Discover 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 CardDiscover it Cash Back
Annual fee$75$0
Sign-up bonus45,000 pointsCashback Match (first year, unlimited)
Bonus value (est.)$450$200
Min spend to unlock bonus$1,000 in 3 mo$0 in 12 mo
IssuerBarclaysDiscover
Card categoryhotelcashback
Best earning category (Wyndham)6x1x
Transfer partnersNoneNone
Headline benefits
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
  • 5% rotating categories
  • First-year match
  • 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
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)

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: Discover it Cash Back

The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.

Common questions

Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or Discover it Cash Back?
The Wyndham Rewards Earner Plus Card has the bigger bonus, 45,000 points, worth roughly $450, versus Cashback Match (first year, unlimited) (~$200) on the Discover it Cash Back.
Is the Wyndham Rewards Earner Plus Card's $75 annual fee worth it compared to the Discover it Cash Back?
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 Discover it Cash Back's, pick the one whose perks you'll actually use.
Can I have both the Wyndham Rewards Earner Plus Card and Discover it Cash Back?
Yes, since they're from different issuers (Barclays and Discover) 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 Discover it Cash Back 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. Discover it Cash Back: $0 in 12 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.