Spark 2% Cash Plus vs Wyndham Rewards Earner Plus
Spark 2% Cash Plus
$150/yr
6.0/10
VS
Wyndham Rewards Earner Plus
$75/yr
6.5/10
Quick Answer
Spark 2% Cash Plus charges $150/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 ($150 vs $75)
Rewards Earning
Wyndham Rewards Earner Plus
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 Plus wins for most people
The $75 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards Earner PlusPREMIUM 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 Plus
| Wyndham hotel & resorts | 6.0X |
| Gas stations & restaurants | 4.0X |
| Everything else | 1.0X |