Sapphire Reserve Business vs Wyndham Rewards Earner Plus
Sapphire Reserve Business
$795/yr
5.5/10
VS
Wyndham Rewards Earner Plus
$75/yr
6.5/10
Quick Answer
Sapphire Reserve Business charges $795/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 ($795 vs $75)
Rewards Earning
Sapphire Reserve Business
5 earning categories
Benefits & Protection
Sapphire Reserve Business
0 benefits vs 0
Statement Credits
Sapphire Reserve Business
$450 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Wyndham Rewards Earner Plus wins for most people
The $720 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards Earner PlusPREMIUM PICK
Sapphire Reserve Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Sapphire Reserve BusinessRewards Earning: Detailed Comparison
Sapphire Reserve Business
| Hotels & car rentals (Chase Travel) | 10.0X |
| Flights (Chase Travel) | 5.0X |
| Dining | 4.0X |
| All other travel | 3.0X |
| Everything else | 1.0X |
Wyndham Rewards Earner Plus
| Wyndham hotel & resorts | 6.0X |
| Gas stations & restaurants | 4.0X |
| Everything else | 1.0X |