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Wyndham Rewards Earner Card vs Capital One Spark Cash
Both are well-respected travel cards. The Wyndham Rewards Earner Card comes from Barclays at $0/yr; the Capital One Spark Cash from Capital One at $95/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 is the stronger pick today, the sign-up bonus is meaningfully larger ($793 more in estimated value) than the Wyndham Rewards Earner Card's. Get the Capital One Spark Cash first; revisit the Wyndham Rewards Earner Card after you've earned that bonus.
| Feature | Wyndham Rewards Earner Card | Capital One Spark Cash |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 30,000 points | $1,000 cash bonus |
| Bonus value (est.) | $207 | $1,000 |
| Min spend to unlock bonus | $1,000 in 3 mo | $10,000 in 3 mo |
| Issuer | Barclays | Capital One |
| Card category | travel | business |
| Best earning category (Wyndham_hotels) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Wyndham Rewards Earner Card
$0/yr · 30,000 points
Read the full review
Capital One Spark Cash
$95/yr · $1,000 cash bonus
Editorial take: Capital One Spark Cash
Common questions
- Which card has the bigger sign-up bonus, Wyndham Rewards Earner Card or Capital One Spark Cash?
- The Capital One Spark Cash has the bigger bonus, $1,000 cash bonus, worth roughly $1,000, versus 30,000 points (~$207) on the Wyndham Rewards Earner Card.
- Is the Wyndham Rewards Earner Card's $0 annual fee worth it compared to the Capital One Spark Cash?
- The Wyndham Rewards Earner Card has no annual fee, so the question is whether the Capital One Spark Cash's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Cash's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Wyndham Rewards Earner Card.
- Can I have both the Wyndham Rewards Earner Card and Capital One Spark Cash?
- 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 Card or the Capital One Spark Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Wyndham Rewards Earner Card: $1,000 spend in 3 months. Capital One Spark Cash: $10,000 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.