Capital One Spark Cash Plus vs Wyndham Rewards Earner® Plus Card
Side-by-side comparison
| Capital One Spark Cash Plus | Wyndham Rewards Earner® Plus Card | |
|---|---|---|
| Annual fee | $150 | $75 |
| Welcome offer | $2,000 cash back | Up to 100,000 points |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 4% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $720 |
| Points type | Pools with Capital One → transferable | 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 business spending, the Capital One Spark Cash Plus earns about $900 a year in rewards and the Wyndham Rewards Earner® Plus Card about $720, valuing every point at a flat 1 cent. The Capital One Spark Cash Plus charges $150, which you clear through its rewards and perks. The Wyndham Rewards Earner® Plus Card charges $75, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Capital One Spark Cash Plus delivers more total value, about $105 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Capital One Spark Cash Plus earns points you can move to travel partners for outsized value, while the Wyndham Rewards Earner® Plus Card stays locked to a single airline or hotel program. Favor the Capital One Spark Cash Plus if you will use travel transfers, the Wyndham Rewards Earner® Plus Card if you want simplicity. On the sign-up bonus, the Capital One Spark Cash Plus currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Capital One Spark Cash Plus if your spending leans toward advertising, shipping, office supplies. Pick the Wyndham Rewards Earner® Plus Card if your spending leans toward travel.