Spark 2% Cash Plus vs Wyndham Rewards Earner
Spark 2% Cash Plus
$150/yr
6.0/10
VS
Wyndham Rewards Earner
$0/yr
7.0/10
Quick Answer
Spark 2% Cash Plus charges $150/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 ($150 vs $0)
Rewards Earning
Wyndham Rewards Earner
3 earning categories
Benefits & Protection
Spark 2% Cash Plus
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Wyndham Rewards Earner wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards EarnerPREMIUM PICK
Spark 2% Cash Plus wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Spark 2% Cash PlusRewards Earning: Detailed Comparison
Spark 2% Cash Plus
| Everything | 2.0X |
| Hotels & rental cars (Capital One Travel) | 5.0X |
Wyndham Rewards Earner
| Wyndham hotel & resorts | 5.0X |
| Gas stations & restaurants | 2.0X |
| Everything else | 1.0X |