Spark 1.5% Cash Select vs Wyndham Rewards Earner Plus

Spark 1.5% Cash Select
$0/yr
7.0/10
VS

Wyndham Rewards Earner Plus
$75/yr
6.5/10
Quick Answer
Spark 1.5% Cash Select charges no annual fee with 1X base rewards. Wyndham Rewards Earner Plus charges $75/yr with 1X base rewards. Spark 1.5% Cash Select offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Spark 1.5% Cash Select →
PointsPick may earn a commission. Disclosure
Apply for Wyndham Rewards Earner Plus →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Spark 1.5% Cash Select
Lower annual fee ($0 vs $75)
Rewards Earning
Wyndham Rewards Earner Plus
3 earning categories
Benefits & Protection
Spark 1.5% Cash Select
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Spark 1.5% Cash Select wins for most people
The $75 fee difference is hard to justify unless you maximize premium benefits.
Apply for Spark 1.5% Cash SelectPREMIUM 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
Spark 1.5% Cash Select
| Everything | 1.5X |
Wyndham Rewards Earner Plus
| Wyndham hotel & resorts | 6.0X |
| Gas stations & restaurants | 4.0X |
| Everything else | 1.0X |