Discover it® Cash Back vs Wyndham Rewards Earner Plus
Discover it® Cash Back
$0/yr
7.0/10
VS
Wyndham Rewards Earner Plus
$75/yr
6.5/10
Quick Answer
Discover it® Cash Back charges no annual fee with 1X base rewards. Wyndham Rewards Earner Plus charges $75/yr with 1X base rewards. Discover it® Cash Back offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Discover it® Cash Back →
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Winner by Category
Annual Fees
Discover it® Cash Back
Lower annual fee ($0 vs $75)
Rewards Earning
Wyndham Rewards Earner Plus
3 earning categories
Benefits & Protection
Discover it® Cash Back
8 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Discover it® Cash Back wins for most people
The $75 fee difference is hard to justify unless you maximize premium benefits.
Apply for Discover it® Cash BackPREMIUM 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
Discover it® Cash Back
| Rotating 5% Categories | 5.0X (up to $1,500) |
| 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
Discover it® Cash Back (8 benefits)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Product Warranty
- Extended Warranty Protection
- Return Protection (up to $500)
- $0 Fraud Liability Guarantee
- Free FICO® Credit Score
- Freeze It® Card Lock
Wyndham Rewards Earner Plus (0 benefits)
No benefits data available