Capital One Venture X Rewards vs Wyndham Rewards Earner Plus Card
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$395
vs
$75
Base Rewards
2x
vs
1x
Sign-Up Bonus
$750
vs
$540
Editor Score
10/10
vs
7/10
Detailed Comparison
| Category wins | 5/6 | 1/6 |
| Fees & APR | ||
| Annual Fee | $395✗ Highest | $75★ Lowest |
| Purchase APR | 19.99% – 29.99% | 21.49% – 29.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | None | 5% |
| Rewards | ||
| Rewards Type | Miles | Points |
| Base Rewards Rate | 2x★ Highest | 1x✗ Lowest |
| Bonus Categories | 10x Hotels & Cars (Capital One) · 5x Flights (Capital One) | 6x Wyndham Hotels · 6x Gas Stations · 4x Restaurants |
| Sign-Up Bonus | $750 value★ Highest | $540 value✗ Lowest |
| Eligibility | ||
| Credit Score | Excellent (750+) | Good (670-749) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Premium travelers seeking maximum value | Budget travelers and Las Vegas visitors |
| Ratings | ||
| User Rating | 4.8 / 5★ Highest | 4 / 5✗ Lowest |
| Editor Score | 10 / 10★ Highest | 7 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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Our verdict: Capital One Venture X Rewards
The Capital One Venture X Rewards ($395/year) and the Wyndham Rewards Earner Plus Card ($75/year) compete on different axes. The Capital One Venture X Rewards's strongest category is 10x on Hotels & Cars (Capital One), while the Wyndham Rewards Earner Plus Card leads with 6x on Wyndham Hotels. The Capital One Venture X Rewards costs $320 more per year, so you need at least $320 in incremental rewards to justify it over the Wyndham Rewards Earner Plus Card. At typical spend levels this breaks even somewhere between $9,600 and $19,200 in bonus-category purchases annually. Our scoring model gives the edge to the Capital One Venture X Rewards — it leads on 4 of the 6 key dimensions we evaluate. That said, this ranking is algorithmic; your specific spending pattern can flip the answer.
Leads on 4 of 6 key comparison dimensions
Dimension-by-dimension
| Dimension | Capital One Venture X Rewards | Wyndham Rewards Earner Plus Card |
|---|---|---|
| Annual Fee | $395/year | $75/year |
| Base Reward Rate | 2x on everything | 1x on everything |
| Top Bonus Category | 10x on Hotels & Cars (Capital One) | 6x on Wyndham Hotels |
| Sign-Up Bonus | 75,000 miles after spending $4,000 in 3 months | 45,000 Wyndham Rewards points after spending $1,000 in 90 days |
| Lounge Access | Yes | No |
| Credit Score Required | excellent | good |
Green checkmark indicates the card that leans stronger on that dimension. Our scoring model evaluates these quantitatively — your specific needs may shift the answer.
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Common Questions
Which is better: Capital One Venture X Rewards or Wyndham Rewards Earner Plus Card?
It depends on your spending habits. The Capital One Venture X Rewards has a $395 annual fee and earns 2x base rewards. The Wyndham Rewards Earner Plus Card has a $75 annual fee and earns 1x base rewards. Compare their bonus categories above to see which aligns better with your spending.
What is the annual fee difference between Capital One Venture X Rewards and Wyndham Rewards Earner Plus Card?
The Capital One Venture X Rewards has a $395 annual fee while the Wyndham Rewards Earner Plus Card has a $75 annual fee. The Capital One Venture X Rewards costs $320 more per year, so it needs to deliver that much extra value in rewards and perks to justify the difference.
Can I have both the Capital One Venture X Rewards and Wyndham Rewards Earner Plus Card?
Yes, since these cards are from different issuers (Capital One and Barclays), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.