Smartly vs Wyndham Rewards Earner Plus
Smartly
$0/yr
7.0/10
VS
Wyndham Rewards Earner Plus
$75/yr
6.5/10
Quick Answer
Smartly charges no annual fee with 1X base rewards. Wyndham Rewards Earner Plus charges $75/yr with 1X base rewards. Smartly 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
Smartly
Lower annual fee ($0 vs $75)
Rewards Earning
Wyndham Rewards Earner Plus
3 earning categories
Benefits & Protection
Smartly
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Smartly wins for most people
The $75 fee difference is hard to justify unless you maximize premium benefits.
Apply for SmartlyPREMIUM 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
Smartly
| Everything (with US Bank Smart Rewards account) | 3.0X |
| Everything (without qualifying account) | 2.0X |
Wyndham Rewards Earner Plus
| Wyndham hotel & resorts | 6.0X |
| Gas stations & restaurants | 4.0X |
| Everything else | 1.0X |