Chase Sapphire Reserve vs Wyndham Rewards Earner Plus Card
Head-to-head comparison of every feature, fee, and perk
At a Glance
Annual Fee
$550
vs
$75
Base Rewards
1x
vs
1x
Sign-Up Bonus
$900
vs
$540
Editor Score
9/10
vs
7/10
Detailed Comparison
| Category wins | 5/6 | 1/6 |
| Fees & APR | ||
| Annual Fee | $550✗ Highest | $75★ Lowest |
| Purchase APR | 22.49% – 29.49% | 21.49% – 29.49% |
| Intro APR (Purchases) | ||
| Intro APR (Balance Transfer) | ||
| Foreign Txn Fee | None★ Lowest | None |
| Balance Transfer Fee | 5% | 5% |
| Rewards | ||
| Rewards Type | Points | Points |
| Base Rewards Rate | 1x★ Highest | 1x |
| Bonus Categories | 10x Hotels (Chase) · 5x Flights (Chase) · 3x Dining | 6x Wyndham Hotels · 6x Gas Stations · 4x Restaurants |
| Sign-Up Bonus | $900 value★ Highest | $540 value✗ Lowest |
| Eligibility | ||
| Credit Score | Excellent (750+) | Good (670-749) |
| Network | Visa | Visa |
| At a Glance | ||
| Best For | Frequent luxury travelers | Budget travelers and Las Vegas visitors |
| Ratings | ||
| User Rating | 4.5 / 5★ Highest | 4 / 5✗ Lowest |
| Editor Score | 9 / 10★ Highest | 7 / 10✗ Lowest |
| Apply Now | Apply | Apply |
| Full Review | View details → | View details → |
| Pros & Cons | ||
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| Cons |
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Our verdict: Too close to call
The Chase Sapphire Reserve ($550/year) and the Wyndham Rewards Earner Plus Card ($75/year) compete on different axes. The Chase Sapphire Reserve's strongest category is 10x on Hotels (Chase), while the Wyndham Rewards Earner Plus Card leads with 6x on Wyndham Hotels. The Chase Sapphire Reserve costs $475 more per year, so you need at least $475 in incremental rewards to justify it over the Wyndham Rewards Earner Plus Card. At typical spend levels this breaks even somewhere between $14,250 and $28,500 in bonus-category purchases annually. Our model scores these cards effectively even (3-2). Pick the Chase Sapphire Reserve if you spend heavily on hotels (chase); pick the Wyndham Rewards Earner Plus Card if you spend heavily on wyndham hotels.
Too close to call — pick based on your primary spending category
Dimension-by-dimension
| Dimension | Chase Sapphire Reserve | Wyndham Rewards Earner Plus Card |
|---|---|---|
| Annual Fee | $550/year | $75/year |
| Base Reward Rate | 1x on everything | 1x on everything |
| Top Bonus Category | 10x on Hotels (Chase) | 6x on Wyndham Hotels |
| Sign-Up Bonus | 60,000 points 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: Chase Sapphire Reserve or Wyndham Rewards Earner Plus Card?
It depends on your spending habits. The Chase Sapphire Reserve has a $550 annual fee and earns 1x 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 Chase Sapphire Reserve and Wyndham Rewards Earner Plus Card?
The Chase Sapphire Reserve has a $550 annual fee while the Wyndham Rewards Earner Plus Card has a $75 annual fee. The Chase Sapphire Reserve costs $475 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 Chase Sapphire Reserve and Wyndham Rewards Earner Plus Card?
Yes, since these cards are from different issuers (Chase and Barclays), you can hold both. Many people pair cards from different banks to maximize bonus category coverage across all their spending.