Capital One SavorOne Cash Rewards Credit Card vs Wyndham Rewards Earner® Plus Card

Capital One SavorOne Cash Rewards Credit CardCapital One SavorOne Cash Rewards Credit Card

Capital One

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Wyndham Rewards Earner® Plus CardWyndham Rewards Earner® Plus Card

Barclays

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Annual Fee
$39
$75
Card Type
Personal
Personal
Rewards Currency
Cash Back
Wyndham Rewards Points
Point Value
1.00¢/pt
1.10¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $500 in 90 days
30,000 Wyndham Rewards Points after $1,000 in 90 days

Effective return by category

CategoryCapital One SavorOne Cash Rewards Credit CardWyndham Rewards Earner® Plus Card
Gas Stations1.00%
1x
6.60%
6x
Dining & Restaurants3.00%
3x
4.40%
4x
Groceries3.00%
3x
4.40%
4x
Streaming Services3.00%
3x
1.10%
1x
Everything else1.00%
1x
1.10%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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