Custom Cash vs Wyndham Rewards Earner Plus
Custom Cash
$0/yr
7.5/10
VS
Wyndham Rewards Earner Plus
$75/yr
6.5/10
Quick Answer
Custom Cash charges no annual fee with 1X base rewards. Wyndham Rewards Earner Plus charges $75/yr with 1X base rewards. Custom Cash 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
Custom Cash
Lower annual fee ($0 vs $75)
Rewards Earning
Wyndham Rewards Earner Plus
3 earning categories
Benefits & Protection
Custom Cash
5 benefits vs 0
Statement Credits
Custom Cash
$96 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Custom Cash wins for most people
The $75 fee difference is hard to justify unless you maximize premium benefits.
Apply for Custom 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
Custom Cash
| Top eligible category each billing cycle | 5.0X (up to $500) |
| Everything else | 1.0X |
Wyndham Rewards Earner Plus
| Wyndham hotel & resorts | 6.0X |
| Gas stations & restaurants | 4.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Custom Cash (5 benefits)
- Trip Delay Protection (up to $200)
- Worldwide Car Rental Insurance
- Citi Purchase Protection (up to $1,000)
- Citi Extended Warranty (up to $10,000)
- Extended Warranty
Wyndham Rewards Earner Plus (0 benefits)
See full review for benefits details.