Active Cash vs Wyndham Rewards Earner Plus
Active Cash
$0/yr
8.5/10
VS
Wyndham Rewards Earner Plus
$75/yr
6.5/10
Quick Answer
Active Cash charges no annual fee with 2X base rewards. Wyndham Rewards Earner Plus charges $75/yr with 1X base rewards. Active Cash offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Active Cash →
PointsPick may earn a commission. Disclosure
Apply for Wyndham Rewards Earner Plus →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Active Cash
Lower annual fee ($0 vs $75)
Rewards Earning
Wyndham Rewards Earner Plus
3 earning categories
Benefits & Protection
Active Cash
6 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Active Cash wins for most people
The $75 fee difference is hard to justify unless you maximize premium benefits.
Apply for Active CashPREMIUM PICK
Wyndham Rewards Earner Plus wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Wyndham Rewards Earner PlusRewards Earning: Detailed Comparison
Active Cash
| Everything | 2.0X |
Wyndham Rewards Earner Plus
| Wyndham hotel & resorts | 6.0X |
| Gas stations & restaurants | 4.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Active Cash (6 benefits)
- Auto Rental Collision Damage Waiver
- Visa Purchase Security (up to $10,000)
- Visa Extended Warranty Protection
- Cell Phone Protection (up to $800)
- Travel Accident Insurance (up to $250,000)
- Visa Roadside Dispatch
Wyndham Rewards Earner Plus (0 benefits)
No benefits data available