Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Wyndham Rewards Earner Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

What benefits does the Capital One Venture X Rewards Credit Card have that the Wyndham Rewards Earner Card doesn't?

The Capital One Venture X Rewards Credit Card offers lounge access. The Wyndham Rewards Earner Card focuses more on earn rates than premium perks.

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Wyndham Rewards Earner Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

What benefits does the Capital One Venture X Rewards Credit Card have that the Wyndham Rewards Earner Card doesn't?

The Capital One Venture X Rewards Credit Card offers lounge access. The Wyndham Rewards Earner Card focuses more on earn rates than premium perks.

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?

The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Wyndham Rewards Earner Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

What benefits does the Capital One Venture X Rewards Credit Card have that the Wyndham Rewards Earner Card doesn't?

The Capital One Venture X Rewards Credit Card offers lounge access. The Wyndham Rewards Earner Card focuses more on earn rates than premium perks.

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

The Wyndham Rewards Earner Card ($0/yr) is better for everyday value, while the Capital One Venture X Rewards Credit Card ($395/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

Capital One Venture X Rewards Credit Card

Capital One

No image

Wyndham Rewards Earner Card

Barclays

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

75,000 Flex point

30,000 Hotel

Earn Rates

Category	Capital One Venture X Rewards Credit Card	Wyndham Rewards Earner Card
Gas Stations	2X	5X
Wyndham Hotels	2X

Category-by-Category Winner

The Capital One Venture X Rewards Credit Card wins in 3 of 5 categories. The Wyndham Rewards Earner Card leads in 2.

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Wyndham Hotels

Wyndham Rewards Earner Card earns 5X vs 2X

Gas Stations

Wyndham Rewards Earner Card earns 5X vs 2X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card costs $395/yr — that's $395 more than the Wyndham Rewards Earner Card (no annual fee). To justify that gap, you need to extract at least $395 in annual value from the card's higher earn rates and benefits.

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $395 gap is significant. Choose the Capital One Venture X Rewards Credit Card only if you spend heavily on hotels and flights and will use its premium benefits regularly — otherwise the Wyndham Rewards Earner Card delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

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.

Choose the Wyndham Rewards Earner Card if you want solid rewards with a lower cost of entry. Choose the Capital One Venture X Rewards Credit Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Wyndham Rewards Earner Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Capital One Venture X Rewards Credit Card or Wyndham Rewards Earner Card?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Capital One Venture X Rewards Credit Card have that the Wyndham Rewards Earner Card doesn't?: The Capital One Venture X Rewards Credit Card offers lounge access. The Wyndham Rewards Earner Card focuses more on earn rates than premium perks.
Should I get the Capital One Venture X Rewards Credit Card or the Wyndham Rewards Earner Card?: Choose the Wyndham Rewards Earner Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

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

Wyndham Rewards Earner Card — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Barclays cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

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

No image

Capital One Venture X Rewards Credit Card

Capital One

No image

Wyndham Rewards Earner Card

Barclays

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

75,000 Flex point

30,000 Hotel

Earn Rates

Category	Capital One Venture X Rewards Credit Card	Wyndham Rewards Earner Card
Gas Stations	2X	5X
Wyndham Hotels	2X

Category-by-Category Winner

The Capital One Venture X Rewards Credit Card wins in 3 of 5 categories. The Wyndham Rewards Earner Card leads in 2.

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Wyndham Hotels

Wyndham Rewards Earner Card earns 5X vs 2X

Gas Stations

Wyndham Rewards Earner Card earns 5X vs 2X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

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.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Wyndham Rewards Earner Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Capital One Venture X Rewards Credit Card or Wyndham Rewards Earner Card?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Capital One Venture X Rewards Credit Card have that the Wyndham Rewards Earner Card doesn't?: The Capital One Venture X Rewards Credit Card offers lounge access. The Wyndham Rewards Earner Card focuses more on earn rates than premium perks.
Should I get the Capital One Venture X Rewards Credit Card or the Wyndham Rewards Earner Card?: Choose the Wyndham Rewards Earner Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

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

Wyndham Rewards Earner Card — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Barclays cards

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

No image

Capital One Venture X Rewards Credit Card

Capital One

No image

Wyndham Rewards Earner Card

Barclays

Fees & Welcome Offer

Annual Fee

$395

Welcome Bonus

75,000 Flex point

30,000 Hotel

Earn Rates

Category	Capital One Venture X Rewards Credit Card	Wyndham Rewards Earner Card
Gas Stations	2X	5X
Wyndham Hotels	2X

Category-by-Category Winner

The Capital One Venture X Rewards Credit Card wins in 3 of 5 categories. The Wyndham Rewards Earner Card leads in 2.

Hotels

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Flights

Capital One Venture X Rewards Credit Card earns 2X vs 1X

Wyndham Hotels

Wyndham Rewards Earner Card earns 5X vs 2X

Gas Stations

Wyndham Rewards Earner Card earns 5X vs 2X

Everyday purchases

Capital One Venture X Rewards Credit Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Capital One Venture X Rewards Credit Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

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.

Frequently Asked Questions

Is the Capital One Venture X Rewards Credit Card worth the higher annual fee?: The Capital One Venture X Rewards Credit Card costs $395/yr vs $0/yr for the Wyndham Rewards Earner Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Capital One Venture X Rewards Credit Card or Wyndham Rewards Earner Card?: The Capital One Venture X Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Capital One Venture X Rewards Credit Card have that the Wyndham Rewards Earner Card doesn't?: The Capital One Venture X Rewards Credit Card offers lounge access. The Wyndham Rewards Earner Card focuses more on earn rates than premium perks.
Should I get the Capital One Venture X Rewards Credit Card or the Wyndham Rewards Earner Card?: Choose the Wyndham Rewards Earner Card if you want lower fees and solid rewards. Pick the Capital One Venture X Rewards Credit Card if you spend enough to justify the $395/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Capital One Venture X Amex Green vs Capital One Venture X Amex Platinum vs Capital One Venture X Capital One Quicksilver vs Capital One Venture X

Explore More

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

Wyndham Rewards Earner Card — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Capital One cards · Barclays cards

Pros & Cons

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

Pros & Cons

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

Pros & Cons

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

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

Capital One Venture X Rewards Credit Card

Wyndham Rewards Earner Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

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

Capital One Venture X Rewards Credit Card

Wyndham Rewards Earner Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

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

Capital One Venture X Rewards Credit Card

Wyndham Rewards Earner Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?