Choice Privileges® Mastercard® vs Wyndham Rewards Earner® Plus Card
Side-by-side comparison
| Choice Privileges® Mastercard® | Wyndham Rewards Earner® Plus Card | |
|---|---|---|
| Annual fee | No annual fee | $75 |
| Welcome offer | 60,000 points | Up to 100,000 points |
| Dining | 1x | 4x |
| Groceries | 3x | 4x |
| Gas | 3x | 4x |
| Travel | 5x | 4x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $527 | $680 |
| Points type | Locked to Choice Privileges | Locked to Wyndham Rewards |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Choice Privileges® Mastercard® earns about $527 a year in rewards and the Wyndham Rewards Earner® Plus Card about $680, valuing every point at a flat 1 cent. The Choice Privileges® Mastercard® has no annual fee, so its rewards are all profit. The Wyndham Rewards Earner® Plus Card charges $75, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Wyndham Rewards Earner® Plus Card delivers more total value, about $79 a year more for a typical spender, mostly because it earns more where you spend most, on dining and groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Wyndham Rewards Earner® Plus Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Choice Privileges® Mastercard® if your spending leans toward travel. Pick the Wyndham Rewards Earner® Plus Card if your spending leans toward dining, groceries, gas.