ANA Card USA Plus vs Wyndham Rewards Earner
ANA Card USA Plus
$85/yr
6.5/10
VS
Wyndham Rewards Earner
$0/yr
7.0/10
Quick Answer
ANA Card USA Plus charges $85/yr with 1X base rewards. Wyndham Rewards Earner charges no annual fee with 1X base rewards. Wyndham Rewards Earner offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Wyndham Rewards Earner
Lower annual fee ($85 vs $0)
Rewards Earning
ANA Card USA Plus
3 earning categories
Benefits & Protection
ANA Card USA Plus
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Wyndham Rewards Earner wins for most people
The $85 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards EarnerPREMIUM PICK
ANA Card USA Plus wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for ANA Card USA PlusRewards Earning: Detailed Comparison
ANA Card USA Plus
| ANA flights | 2.0X |
| Dining & hotel stays | 1.5X |
| Everything else | 1.0X |
Wyndham Rewards Earner
| Wyndham hotel & resorts | 5.0X |
| Gas stations & restaurants | 2.0X |
| Everything else | 1.0X |