Chase Sapphire Preferred vs Wyndham Earner Plus: Which Is Better In 2025?

Wyndham Rewards Earner Plus Breakdown

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Why We Like It

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Here’s a closer look at why we like the Wyndham Rewards Earner® Plus Card.

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• It offers generous rewards on everyday spending, including accelerated points on gas, dining, and grocery purchases.
• You automatically receive Wyndham Rewards PLATINUM status, which comes with valuable perks like early check-in and car rental upgrades.
• The 7,500 anniversary bonus points can easily offset the $75 annual fee when redeemed for a free night worth more than the fee (publisher-formulated estimate).

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Pros

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• Accelerated rewards on common spending categories like gas, groceries, and dining.
• Automatic Platinum elite status with Wyndham Rewards, which provides perks like early check-in and rental car upgrades.
• An annual anniversary points bonus that can be redeemed for an award night.

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Cons

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• It has an annual fee, but unlike many competing hotel cards, it doesn't offer an automatic free anniversary night.
• The anniversary bonus points are only sufficient for a free night at the lowest-tier properties.
• The value of points diminishes significantly when used for anything other than Wyndham hotel stays.

Wyndham Rewards Earner Plus vs Chase Sapphire Preferred®

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Categories

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Deciding which is better, Chase Sapphire Preferred or Wyndham Earner Plus, depends entirely on your travel style and spending habits. One is a flexible travel card for beginners, while the other is tailored for loyalty to a specific hotel brand.

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• Chase Sapphire Preferred® Card: This card is a top choice for those new to travel rewards. It offers flexible points on broad categories like travel and dining, making it a great all-around option.
• Wyndham Rewards Earner® Plus Card: As a co-branded hotel credit card, this option is best for travelers who frequently stay with the Wyndham family of hotels. Its rewards are structured to maximize benefits for brand-loyal customers.

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Redemption

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Chase Sapphire Preferred® Card: Points can be redeemed for travel through the Chase portal, transferred to various airline and hotel partners for potentially greater value, or used for cash back and statement credits. This flexibility makes it a versatile option for a wide range of redemption goals.

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Wyndham Rewards Earner® Plus Card: Rewards are primarily redeemed for free or discounted nights across Wyndham's portfolio of hotels, resorts, and vacation rentals. The redemption structure is designed to directly benefit travelers who stay within the Wyndham network.

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Travel Perks

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• Chase Sapphire Preferred® Card: This card is built for travel flexibility. It features no foreign transaction fees, making it a good companion for international trips. Cardholders also gain access to the Chase Ultimate Rewards® travel portal and a range of travel protections, including an auto rental collision damage waiver and trip cancellation insurance.
• Wyndham Rewards Earner® Plus Card: The ecosystem for this card is centered exclusively on the Wyndham brand. It comes with automatic Wyndham Rewards Platinum status, unlocking perks like early check-in. However, it does include a foreign transaction fee, making it less ideal for spending abroad.

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Compare Top Rated Credit Cards with Kudos

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For a data-driven approach, a tool like Kudos can help you compare nearly 3,000 credit cards to find the best fit for your spending.

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• The platform’s ‘Test Drive’ feature lets you simulate potential earnings from different cards using your actual transaction history, giving you a personalized projection of your annual rewards.
• Kudos provides a detailed analysis of your approval odds for specific cards based on your credit report.
• You can earn extra rewards through Kudos Boost when shopping at participating stores and benefit from a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
• The service helps you manage multiple cards, track spending, and automatically selects the best card to use at checkout to maximize your rewards.

Who Should Choose the Chase Sapphire Preferred®?

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The Chase Sapphire Preferred® Card is an excellent choice for frequent travelers who want to earn significant rewards without committing to a high annual fee. It's particularly well-suited for those who spend on dining and travel, as it offers accelerated points in these categories alongside valuable travel protections. Ultimately, it serves as a powerful entry-point into the world of travel rewards, offering flexibility and strong earning potential for a modest annual fee, as detailed in this comprehensive review.

Who Should Choose the Wyndham Rewards Earner Plus?

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The Wyndham Rewards Earner® Plus Card is tailor-made for loyalists of the Wyndham brand who frequently stay at its portfolio of hotels, vacation rentals, or timeshares. It's an ideal choice for those looking to maximize rewards on Wyndham stays and common spending categories like gas, dining, and groceries. Cardholders who value the immediate perks of automatic Platinum elite status and a yearly anniversary point bonus will find this card particularly compelling, as detailed in a NerdWallet review.

Alternatives to Consider

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If you've reviewed the Chase Sapphire Preferred® vs. Wyndham Rewards Earner Plus comparison and decided neither is the right choice for you, there are other great options to explore. Let's take a look at a few alternatives that might be a better fit.

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Tips for Application Success

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Before You Apply

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• Check your credit score to ensure you meet the typical good-to-excellent requirement.
• Review issuer-specific rules, like the Chase 5/24 rule, which could affect your approval.
• Plan your spending to naturally meet the minimum requirement for the welcome offer.

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Application Strategy

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• Time your application to coincide with a large planned purchase.
• Use a trusted platform to find the best available welcome offer.
• Be persistent and try different methods if you don't see the top offer initially.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I transfer points from the Chase Sapphire Preferred® Card to Wyndham Rewards?

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Yes, Chase Ultimate Rewards® points can be transferred to Wyndham Rewards at a 1:1 ratio, making it a flexible option for topping up your hotel points.

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What are the annual fees for these cards?

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The Chase Sapphire Preferred® Card has a $95 annual fee, while the Wyndham Rewards® Earner® Plus Card has a $75 annual fee.

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Which card is better for everyday spending?

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The best card for everyday spending depends on your largest purchase categories, as both cards offer different bonus rewards on dining, travel, and gas.

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