Hilton Honors Aspire vs Wyndham Rewards Earner® Card
Side-by-side comparison
| Hilton Honors Aspire | Wyndham Rewards Earner® Card | |
|---|---|---|
| Annual fee | $550 | No annual fee |
| Welcome offer | Up to 75,000 points | |
| Dining | 7x | 3x |
| Groceries | 3x | 3x |
| Gas | 3x | 3x |
| Travel | 7x | 1x |
| Streaming | 3x | 1x |
| Everything else | 3x | 1x |
| Est. yearly rewards* | $1,067 | $515 |
| Points type | Locked to Hilton Honors | Locked to Wyndham Rewards |
| Network | Amex | 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 Hilton Honors Aspire earns about $1,067 a year in rewards and the Wyndham Rewards Earner® Card about $515, valuing every point at a flat 1 cent. The Hilton Honors Aspire charges $550, but carries about $600 in annual statement credits that offset it for anyone who uses them. The Wyndham Rewards Earner® Card has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Hilton Honors Aspire delivers more total value, about $302 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and dining. 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 Hilton Honors Aspire currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Hilton Honors Aspire if your spending leans toward dining, travel, streaming.