Capital Vacations® World Mastercard® vs Wyndham Rewards Earner Card
Both cards cost $0/yr. The Capital Vacations® World Mastercard® leads on travel; the Wyndham Rewards Earner Card on gas stations.
Card data as of November 13, 2026.
Capital Vacations® World Mastercard®Barclays · No annual fee
Wyndham Rewards Earner CardBarclays · No annual fee
Overview
- Annual fee
- Capital Vacations® World Mastercard®$0Wyndham Rewards Earner Card$0
- Welcome offerCurrent public offer
- Capital Vacations® World Mastercard®5,000 pointsWyndham Rewards Earner Card45,000 points
- Rewards
- Capital Vacations® World Mastercard®Capital Vacations RewardsWyndham Rewards Earner CardWyndham Rewards
- Foreign transaction fee
- Capital Vacations® World Mastercard®NoneWyndham Rewards Earner CardNone
- Network
- Capital Vacations® World Mastercard®Mastercard WorldWyndham Rewards Earner CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Capital Vacations® World Mastercard®1xWyndham Rewards Earner Card3xHighest
- Electric Vehicle Charging
- Capital Vacations® World Mastercard®2xWyndham Rewards Earner Card3xHighest
- Gas Stations
- Capital Vacations® World Mastercard®2xWyndham Rewards Earner Card3xHighest
- Grocery Stores
- Capital Vacations® World Mastercard®1xWyndham Rewards Earner Card3xHighest
- Wyndham Vacation Club
- Capital Vacations® World Mastercard®1xWyndham Rewards Earner Card3xHighest
- Travel
- Capital Vacations® World Mastercard®2xHighestWyndham Rewards Earner Card1x
- Everything else
- Capital Vacations® World Mastercard®1xWyndham Rewards Earner Card1x
Perks & access— means none on record
- Hotel status & programs
- Capital Vacations® World Mastercard®
- 3-night resort stay after $10,000 annual spend
Wyndham Rewards Earner Card- Annual Bonus
- Automatic Gold Level Benefits!
- Other perks
- Capital Vacations® World Mastercard®
- 0% intro APR on balance transfers for 15 months
- $0 foreign transaction fees
- 0% promo APR on CV down payments for 6 months
Wyndham Rewards Earner Card- Enjoy a Cardmember Booking Discount
- go free® Faster
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Capital Vacations® World Mastercard®
- $0 fraud liability on unauthorized charges
Wyndham Rewards Earner Card—
Pros & cons
- Pros
- Capital Vacations® World Mastercard®—Wyndham Rewards Earner Card
- No annual fee makes it easy to keep long-term for status
- Automatic Gold status for life of card (free Wi-Fi, late checkout)
- 30,000 point welcome bonus worth up to 4 free nights (up to 75,000 points and 10 free nights with Wyndham spend)
- 5x points on Wyndham stays - solid for brand loyalists
- 10% discount when redeeming points for free nights
- Cons
- Capital Vacations® World Mastercard®—Wyndham Rewards Earner Card
- 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 6x with Plus card
- Only 1x on non-bonus purchases
- No premium travel protections or lounge access
Category-by-Category Winner
The Wyndham Rewards Earner Card wins in 5 of 6 categories. The Capital Vacations® World Mastercard® leads in 1.
Travel
Capital Vacations® World Mastercard® earns 2X vs 1X
Gas Stations
Wyndham Rewards Earner Card earns 3X vs 2X
Electric Vehicle Charging
Wyndham Rewards Earner Card earns 3X vs 2X
Dining
Wyndham Rewards Earner Card earns 3X vs 1X
Grocery Stores
Wyndham Rewards Earner Card earns 3X vs 1X
Wyndham Vacation Club
Wyndham Rewards Earner Card earns 3X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Wyndham Rewards Earner Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Capital Vacations® World Mastercard® | Wyndham Rewards Earner Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $144 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $144 Year one: $144 | Rewards: $151 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $151 Year one: $466 | Wyndham Rewards Earner Card | Wyndham Rewards Earner Card |
| Heavy spender: $4,000/month | Rewards: $576 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $576 Year one: $576 | Rewards: $605 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $605 Year one: $920 | Wyndham Rewards Earner Card | Wyndham Rewards Earner Card |
Which Card Is Right for You?
Get the Wyndham Rewards Earner Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Wyndham Rewards Earner Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Capital Vacations® World Mastercard® or Wyndham Rewards Earner Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Capital Vacations® World Mastercard® or the Wyndham Rewards Earner Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.