Sapphire Preferred vs Wyndham Rewards Earner
Sapphire Preferred
$95/yr
8.0/10
VS
Wyndham Rewards Earner
$0/yr
7.0/10
Quick Answer
Sapphire Preferred charges $95/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 ($95 vs $0)
Rewards Earning
Sapphire Preferred
6 earning categories
Benefits & Protection
Sapphire Preferred
6 benefits vs 0
Statement Credits
Sapphire Preferred
$170 in annual credits
Flexibility
Sapphire Preferred
Transferable points to airline/hotel partners
OUR PICK
Wyndham Rewards Earner wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards EarnerPREMIUM PICK
Sapphire Preferred wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire PreferredRewards Earning: Detailed Comparison
Sapphire Preferred
| Travel via Chase Portal | 5.0X |
| Dining | 3.0X |
| Online Grocery | 3.0X |
| Streaming | 3.0X |
| Other Travel | 2.0X |
| Everything Else | 1.0X |
Wyndham Rewards Earner
| Wyndham hotel & resorts | 5.0X |
| Gas stations & restaurants | 2.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Sapphire Preferred (6 benefits)
- Trip Cancellation Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Warranty Protection (up to $10,000)
Wyndham Rewards Earner (0 benefits)
No benefits data available