Capital One Venture X Rewards Credit Card vs Wyndham Rewards Earner Card

A detailed side-by-side comparison to help you choose the right card for your spending.

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Capital One Venture X Rewards Credit Card

Capital One

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Wyndham Rewards Earner Card

Barclays

Annual Fee

$395

Welcome Bonus

75,000 Flex point

30,000 Hotel

Base Earn Rate

Top Earn Categories

10X Hotels

10X Car Rentals

10X Car Rentals Capital One

5X Flights

5X Wyndham Hotels

5X Gas Stations

2X Dining

2X Grocery Stores

Network

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Purchase protection

None

Pros

+Effective $95 annual fee after $300 travel credit and 10,000 anniversary miles (~$100 value)
+10X miles on hotels and rental cars booked through Capital One Travel
+Access to premium Capital One Lounges in Dallas, Denver, and Washington D.C.
+Priority Pass Select membership with 1,300+ lounges worldwide
+Free authorized users (until Feb 2026, then $125/year for lounge access)

+No annual fee makes it easy to keep long-term for status
+Automatic Gold status for life of card (free Wi-Fi, late checkout)
+60,000 point welcome bonus worth up to 8 free nights
+5x points on Wyndham stays - solid for brand loyalists
+10% discount when redeeming points for free nights

Cons

−$395 annual fee requires maximizing credits to get value
−10X earning rate requires booking through Capital One Travel portal
−Guest lounge access changing to $35/guest at Priority Pass after Feb 2026
−No airline transfer bonuses unlike some competitors
−Travel credits only work for Capital One Travel bookings

−Gold status benefits are basic compared to Platinum or Diamond
−Anniversary bonus requires $15,000 annual spend (Plus card has no requirement)
−Only 5x at Wyndham vs 8x with Plus card
−Only 1x on non-bonus purchases
−No premium travel protections or lounge access

The Bottom Line

The Wyndham Rewards Earner Card has a lower annual fee ($0 vs $395), making it the more accessible option.

The Capital One Venture X Rewards Credit Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Capital One Venture X Rewards Credit Card earns more with its 2X base rate.

Explore More

Capital One Venture X Rewards Credit Card — Full Review All Capital One Cards

Wyndham Rewards Earner Card — Full Review All Barclays Cards

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Capital One Venture X Rewards Credit Card vs Wyndham Rewards Earner Card

A detailed side-by-side comparison to help you choose the right card for your spending.

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