Blue Cash Preferred (Morgan Stanley) vs Wyndham Rewards Earner Plus
Blue Cash Preferred (Morgan Stanley)
$95/yr
6.5/10
VS
Wyndham Rewards Earner Plus
$75/yr
6.5/10
Quick Answer
Blue Cash Preferred (Morgan Stanley) charges $95/yr with 1X base rewards. Wyndham Rewards Earner Plus charges $75/yr with 1X base rewards. Wyndham Rewards Earner Plus 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 Plus
Lower annual fee ($95 vs $75)
Rewards Earning
Blue Cash Preferred (Morgan Stanley)
5 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Wyndham Rewards Earner Plus wins for most people
The $20 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards Earner PlusPREMIUM PICK
Blue Cash Preferred (Morgan Stanley) wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Blue Cash Preferred (Morgan Stanley)Rewards Earning: Detailed Comparison
Blue Cash Preferred (Morgan Stanley)
| US supermarkets | 6.0X (up to $6,000) |
| Streaming services | 6.0X |
| Transit | 3.0X |
| US gas stations | 3.0X (up to $6,000) |
| Everything else | 1.0X |
Wyndham Rewards Earner Plus
| Wyndham hotel & resorts | 6.0X |
| Gas stations & restaurants | 4.0X |
| Everything else | 1.0X |