Costco Anywhere Visa® vs Wyndham Rewards Earner® Premier Card
Side-by-side comparison
| Costco Anywhere Visa® | Wyndham Rewards Earner® Premier Card | |
|---|---|---|
| Annual fee | $65 | $395 |
| Welcome offer | No current offer | Up to 120,000 points |
| Dining | 3x | 4x |
| Groceries | 1x | 4x |
| Gas | 4x | 4x |
| Travel | 3x | 4x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $452 | $680 |
| Points type | Cash back only | Locked to Wyndham Rewards |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified July 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Costco Anywhere Visa® | Wyndham Rewards Earner® Premier Card |
|---|---|---|
| Welcome bonus | None | Up to 120,000 points |
| To earn it | No minimum spend | $6,000 in 120 days + $750 on Wyndham in 180 days |
| Est. first-year value* | $387 | $1,705 |
| Est. ongoing value / yr* | $387 | $505 |
The Wyndham Rewards Earner® Premier Card wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Costco Anywhere Visa® | Wyndham Rewards Earner® Premier Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | ~$220/yr (2 credits) |
| Points & redemptions | Cash back only | Locked to a single program |
On perks and redemptions, the Wyndham Rewards Earner® Premier Card carries the heavier credit stack (about $220 a year). Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
These barely overlap: one is a cheap cash-back card for Costco members, the other a premium hotel card for Wyndham devotees.
The Costco card’s 4% gas is elite and it doubles as your membership card, paying reliable cash. The Wyndham Earner Premier is a loaded hotel card, 8x at Wyndham, 4x on a wide set of everyday categories, automatic Diamond status, and over $400 in annual credits that can soften the $395 fee. Costco cash vs premium Wyndham points and perks.
Pros and cons
- 4% cash on gas (to $7,000/yr), 3% dining and travel
- 2% at Costco, doubles as your membership card
- Low $65 fee
- Simple cash back
- Requires a Costco membership
- Annual certificate payout
- 1% on groceries and general spend
- No hotel perks
- 8x at Wyndham and 4x on dining, groceries, gas, and travel
- Automatic Wyndham Diamond status
- $400+ in annual credits that offset much of the fee
- A big Wyndham points welcome bonus
- $395 fee, only for real Wyndham guests
- Points locked to Wyndham (lower per-point value)
- Credits are Wyndham-centric
- Overkill if you don’t stay at Wyndham
Where each one wins
| Category | Winner | Why |
|---|---|---|
| Reward type | Depends | Cash for Costco vs Wyndham points and status. |
| Gas | Split | Costco 4% cash vs Wyndham 4x points. |
| Hotel perks | Wyndham Premier | Diamond status and credits the Costco card lacks. |
| Annual fee | Costco | $65 vs $395. |
| Best for | Depends | Costco members vs Wyndham loyalists. |
The verdict
If you’re a Costco member who wants cash, the Costco Anywhere Visa is the easy everyday pick, elite 4% gas and solid dining and travel cash for a fraction of the Premier’s fee, and it doubles as your membership card. For most people, it’s the more useful card.
If you stay at Wyndham often, especially at its go-free award properties, the Earner Premier can justify its $395, the $400+ in annual credits alone can offset the fee, and Diamond status plus 8x earning reward a loyal guest. They aren’t substitutes: one pays cash to warehouse shoppers, the other rewards Wyndham stays. Choose by whether your value is Costco-era cash or Wyndham nights.