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Side-by-side

Wyndham Rewards Earner Plus Card vs USAA Preferred Cash Rewards

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $75/yr; the USAA Preferred Cash Rewards from USAA 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 CardUSAA Preferred Cash Rewards
Annual fee$75$0
Sign-up bonus45,000 points$250 cash bonus
Bonus value (est.)$450$250
Min spend to unlock bonus$1,000 in 3 mo$1,000 in 3 mo
IssuerBarclaysUSAA
Card categoryhotelcashback
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
    $75/yr · 45,000 points
    Read the full review
    USAA Preferred Cash Rewards
    $0/yr · $250 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: USAA Preferred Cash Rewards

    Common questions

    Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or USAA Preferred Cash Rewards?
    The Wyndham Rewards Earner Plus Card has the bigger bonus, 45,000 points, worth roughly $450, versus $250 cash bonus (~$250) on the USAA Preferred Cash Rewards.
    Is the Wyndham Rewards Earner Plus Card's $75 annual fee worth it compared to the USAA Preferred Cash Rewards?
    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 USAA Preferred Cash Rewards's, pick the one whose perks you'll actually use.
    Can I have both the Wyndham Rewards Earner Plus Card and USAA Preferred Cash Rewards?
    Yes, since they're from different issuers (Barclays and USAA) 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 USAA Preferred Cash Rewards 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. USAA Preferred Cash Rewards: $1,000 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.