Chase Sapphire Reserve 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 quick look at the key features that make the Wyndham Rewards Earner® Plus Card stand out.

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• You'll earn an impressive number of points on everyday spending categories like gas, dining, and groceries.
• Cardholders automatically receive Wyndham Rewards Platinum status, unlocking perks like early check-in and car rental upgrades.
• The 7,500 anniversary bonus points can be redeemed for a free night worth more than the card's $75 annual fee, helping you easily offset the cost (publisher-formulated estimate).

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Pros

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• High rewards-earning rates on common spending categories like gas, dining, and groceries.
• Automatic Wyndham Rewards Platinum status, which includes perks like early check-in and rental car upgrades.
• An annual anniversary bonus that can be redeemed for a free night at participating hotels.

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Cons

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• Comes with an annual fee.
• Rewards are most valuable when redeemed for Wyndham hotel stays, offering limited flexibility.
• The annual anniversary bonus may not be enough for a free night at mid- or high-tier properties.

Wyndham Rewards Earner Plus vs Chase Sapphire Reserve®

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Categories

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Deciding which is better, Chase Sapphire Reserve or Wyndham Earner Plus, depends entirely on your spending habits and travel style. Each card excels in a different area, catering to distinct types of consumers.

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• Chase Sapphire Reserve® is a premium travel card designed for frequent travelers who want to maximize rewards on a wide range of travel and dining purchases.
• Wyndham Rewards Earner Plus is a hotel co-branded card best suited for travelers who are loyal to the Wyndham family of hotels and want to earn rewards specifically for their stays.

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Redemption

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Chase Sapphire Reserve®: Points earned with this card offer significant flexibility, as they can be redeemed for travel through the Chase portal or transferred to various airline and hotel partners. This allows cardholders to book a wide array of travel options beyond a single brand.

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Wyndham Rewards Earner Plus: Rewards are primarily redeemed for stays at Wyndham's extensive portfolio of hotels, resorts, and vacation rentals. This makes it ideal for those who frequently stay with brands under the Wyndham umbrella.

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Travel Perks

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• Chase Sapphire Reserve®: This card offers a comprehensive travel ecosystem. Cardholders gain access to the Chase Ultimate Rewards® portal to book flights, hotels, and other travel. It includes a Priority Pass™ Select membership for airport lounge access and has no foreign transaction fees. The card also features an annual travel credit; however, points are not earned on travel purchases until after the first $300 is spent annually, as this spending goes toward the credit.
• Wyndham Rewards Earner Plus: As a co-branded hotel card, its ecosystem is focused on the Wyndham portfolio. It does not offer broad travel perks like a flexible booking portal or airport lounge access. It's also worth noting that this card does charge a foreign transaction fee, which can add to the cost of international travel.

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Compare Top Rated Credit Cards with Kudos

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Kudos offers a data-driven card explorer tool that allows you to compare nearly 3,000 credit cards, providing personalized recommendations based on your actual spending.

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• Test Drive Feature: Simulate how much you could earn with a new card using your real spending data—before you apply and with no impact on your credit score.
• Personalized Recommendations: Get card suggestions based on your unique spending patterns, not generic advice.
• Welcome Offer Guarantee: If you find a better welcome offer within three months of approval, Kudos will match it.
• Kudos Kickstart+: Unlock $100 in rewards when you add select approved cards to your Kudos Wallet.
• Comprehensive Approval Odds: Receive a detailed analysis of your approval chances based on your credit report.

Who Should Choose the Chase Sapphire Reserve®?

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The Chase Sapphire Reserve® is tailored for the frequent traveler who spends significantly on both travel and dining and can fully leverage its premium benefits. This user values perks like the annual $300 travel credit, Priority Pass™ Select lounge access, and the flexibility to transfer points to various airline and hotel partners. Ultimately, it's an ideal premium travel card for someone whose lifestyle and spending habits can easily offset the high annual fee through its rich rewards and protections.

Who Should Choose the Wyndham Rewards Earner Plus?

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The Wyndham Rewards Earner® Plus Card is an excellent choice for frequent travelers who are loyal to Wyndham hotels and its associated brands, such as La Quinta, Ramada, and Days Inn. Its rewards structure is particularly beneficial for those who drive often and spend on food, offering 6X points on gas and 4X points on dining and grocery purchases, excluding Target® and Walmart®. Cardholders looking to enhance their stays will also appreciate the automatic Wyndham Rewards Platinum status and the 7,500 bonus points awarded each anniversary year.

Alternatives to Consider

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If our Chase Sapphire Reserve® vs. Wyndham Earner Plus comparison has left you feeling like neither card is the perfect match, don't worry. There are plenty of other excellent travel rewards cards on the market that might better suit your spending habits and travel goals.

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Tips for Application Success

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Before You Apply

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• Check your credit score, as most premium travel cards require good to excellent credit for approval.
• Plan how you will meet the welcome offer's spending requirement without going into debt.
• Research the card’s benefits and redemption options to ensure they align with your goals.

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Application Strategy

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• Understand the card issuer's unique application rules and restrictions.
• Try different application methods if you are not targeted for the best offer.
• Evaluate if the card's loyalty program or partners fit your lifestyle.

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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Which card is better for frequent Wyndham guests?

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For travelers who consistently stay at Wyndham properties, the Wyndham Earner Plus card is likely the more rewarding choice. It's specifically designed to offer enhanced earnings and benefits within the Wyndham Rewards program.

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Can I transfer points between Chase and Wyndham?

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Yes, Chase Ultimate Rewards points can be transferred to Wyndham Rewards, making it possible to combine points from both programs. This adds a layer of flexibility for cardholders who might have both cards.

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Which card offers more comprehensive travel insurance?

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The Chase Sapphire Reserve® is well-known for its robust suite of travel protections, including trip cancellation/interruption insurance and primary auto rental coverage. These benefits are generally more extensive than what's typically offered on co-branded hotel credit cards.

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