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Wyndham Rewards Earner Business Card vs Capital One Spark Cash Plus
Both are well-respected travel cards. The Wyndham Rewards Earner Business Card comes from Barclays at $149/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 ($1,690 more in estimated value) than the Wyndham Rewards Earner Business Card's. Get the Capital One Spark Cash Plus first; revisit the Wyndham Rewards Earner Business Card after you've earned that bonus.
| Feature | Wyndham Rewards Earner Business Card | Capital One Spark Cash Plus |
|---|---|---|
| Annual fee | $149 | $150 |
| Sign-up bonus | 45,000 points | $2,000 cash bonus |
| Bonus value (est.) | $310 | $2,000 |
| Min spend to unlock bonus | $3,000 in 3 mo | $30,000 in 3 mo |
| Issuer | Barclays | Capital One |
| Card category | travel | business |
| Best earning category (Wyndham_hotels) | 8x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Wyndham Rewards Earner Business Card
$149/yr · 45,000 points
Read the full review
Capital One Spark Cash Plus
$150/yr · $2,000 cash bonus
Editorial take: Capital One Spark Cash Plus
Common questions
- Which card has the bigger sign-up bonus, Wyndham Rewards Earner Business 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 (~$310) on the Wyndham Rewards Earner Business Card.
- Is the Wyndham Rewards Earner Business Card's $149 annual fee worth it compared to the Capital One Spark Cash Plus?
- At $149/yr, the Wyndham Rewards Earner Business 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 Business 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 Business 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 Business Card: $3,000 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.