Shopper Cash Rewards vs Wyndham Rewards Earner
Shopper Cash Rewards
$95/yr
6.5/10
VS
Wyndham Rewards Earner
$0/yr
7.0/10
Quick Answer
Shopper Cash Rewards 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
Shopper Cash Rewards
3 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 wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards EarnerPREMIUM PICK
Shopper Cash Rewards wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Shopper Cash RewardsRewards Earning: Detailed Comparison
Shopper Cash Rewards
| Top 2 eligible retailers of your choice | 6.0X (up to $1,500) |
| Gas stations & EV charging | 3.0X |
| Everything else | 1.5X |
Wyndham Rewards Earner
| Wyndham hotel & resorts | 5.0X |
| Gas stations & restaurants | 2.0X |
| Everything else | 1.0X |