The Ritz-Carlton® Credit Card vs Wyndham Rewards Earner® Plus Card
Side-by-side comparison
| The Ritz-Carlton® Credit Card | Wyndham Rewards Earner® Plus Card | |
|---|---|---|
| Annual fee | $450 | $75 |
| Welcome offer | No current offer | Up to 100,000 points |
| Dining | 3x | 4x |
| Groceries | 1x | 4x |
| Gas | 1x | 4x |
| Travel | 3x | 4x |
| Streaming | 1x | 1x |
| Everything else | 2x | 1x |
| Est. yearly rewards* | $544 | $680 |
| Points type | Locked to Marriott Bonvoy | Locked to Wyndham Rewards |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | The Ritz-Carlton® Credit Card | Wyndham Rewards Earner® Plus Card |
|---|---|---|
| Welcome bonus | Not available — upgrade only (product change from a Chase Marriott Bonvoy card) | Up to 100,000 points |
| To earn it | No minimum spend | $1,000 in 90 days + $500 on Wyndham in 180 days |
| Est. first-year value* | $494 | $1,605 |
| Est. ongoing value / yr* | $494 | $605 |
The Wyndham Rewards Earner® Plus 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 | The Ritz-Carlton® Credit Card | Wyndham Rewards Earner® Plus Card |
|---|---|---|
| Lounge access | Yes — Priority Pass | None |
| Annual credits | ~$400/yr (4 credits) | None |
| Points & redemptions | Locked to a single program | Locked to a single program |
On perks and redemptions, only the The Ritz-Carlton® Credit Card gets you into airport lounges; the The Ritz-Carlton® Credit Card carries the heavier credit stack (about $400 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.
The verdict
On a typical year of household spending, the The Ritz-Carlton® Credit Card earns about $544 a year in rewards and the Wyndham Rewards Earner® Plus Card about $680, valuing every point at a flat 1 cent. The The Ritz-Carlton® Credit Card charges $450, but carries about $400 in annual statement credits that offset it for anyone who uses them. 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 $312 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and gas. 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 The Ritz-Carlton® Credit Card if your spending leans toward everything else. Pick the Wyndham Rewards Earner® Plus Card if your spending leans toward dining, groceries, gas.