Is the Wyndham Rewards Earner Plus Card worth the higher annual fee?

The Wyndham Rewards Earner Plus Card costs $75/yr vs $0/yr for the Citi Custom Cash Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Citi Custom Cash Card or Wyndham Rewards Earner Plus 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 Citi Custom Cash Card or the Wyndham Rewards Earner Plus Card?

Choose the Citi Custom Cash Card if you want lower fees and solid rewards. Pick the Wyndham Rewards Earner Plus Card if you spend enough to justify the $75/yr fee through its premium benefits and higher earn rates.

Is the Wyndham Rewards Earner Plus Card worth the higher annual fee?

The Wyndham Rewards Earner Plus Card costs $75/yr vs $0/yr for the Citi Custom Cash Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Citi Custom Cash Card or Wyndham Rewards Earner Plus 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 Citi Custom Cash Card or the Wyndham Rewards Earner Plus Card?

Choose the Citi Custom Cash Card if you want lower fees and solid rewards. Pick the Wyndham Rewards Earner Plus Card if you spend enough to justify the $75/yr fee through its premium benefits and higher earn rates.

Is the Wyndham Rewards Earner Plus Card worth the higher annual fee?

The Wyndham Rewards Earner Plus Card costs $75/yr vs $0/yr for the Citi Custom Cash Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Citi Custom Cash Card or Wyndham Rewards Earner Plus 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 Citi Custom Cash Card or the Wyndham Rewards Earner Plus Card?

Choose the Citi Custom Cash Card if you want lower fees and solid rewards. Pick the Wyndham Rewards Earner Plus Card if you spend enough to justify the $75/yr fee through its premium benefits and higher earn rates.

Citi Custom Cash Card vs Wyndham Rewards Earner Plus Card

The Citi Custom Cash Card ($0/yr) is better for everyday value, while the Wyndham Rewards Earner Plus Card ($75/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Citi Custom Cash Card

Citi

No image

Wyndham Rewards Earner Plus Card

Barclays

Fees & Welcome Offer

Annual Fee

$75

Welcome Bonus

200 Cash

45,000 Hotel

Earn Rates

Category	Citi Custom Cash Card	Wyndham Rewards Earner Plus Card
Gas Stations	5X	6X
Wyndham Hotels

Category-by-Category Winner

The Citi Custom Cash Card wins in 9 of 11 categories. The Wyndham Rewards Earner Plus Card leads in 2.

Dining

Citi Custom Cash Card earns 5X vs 4X

Drugstores

Citi Custom Cash Card earns 5X vs 1X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Wyndham Rewards Earner Plus Card earns 6X vs 5X

Grocery Stores

Citi Custom Cash Card earns 5X vs 4X

Home Improvement

Citi Custom Cash Card earns 5X vs 1X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Streaming

Citi Custom Cash Card earns 5X vs 1X

Transit

Citi Custom Cash Card earns 5X vs 1X

The Bottom Line

The Citi Custom Cash Card has a lower annual fee ($0 vs $75), making it the more accessible option.

Choose the Citi Custom Cash Card if you want solid rewards with a lower cost of entry. Choose the Wyndham Rewards Earner Plus Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Wyndham Rewards Earner Plus Card worth the higher annual fee?: The Wyndham Rewards Earner Plus Card costs $75/yr vs $0/yr for the Citi Custom Cash Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Citi Custom Cash Card or Wyndham Rewards Earner Plus 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 Citi Custom Cash Card or the Wyndham Rewards Earner Plus Card?: Choose the Citi Custom Cash Card if you want lower fees and solid rewards. Pick the Wyndham Rewards Earner Plus Card if you spend enough to justify the $75/yr fee through its premium benefits and higher earn rates.

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

Wyndham Rewards Earner Plus Card — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi 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.

Citi Custom Cash Card vs Wyndham Rewards Earner Plus Card

Citi Custom Cash Card

Citi

No image

Wyndham Rewards Earner Plus Card

Barclays

Fees & Welcome Offer

Annual Fee

$75

Welcome Bonus

200 Cash

45,000 Hotel

Earn Rates

Category	Citi Custom Cash Card	Wyndham Rewards Earner Plus Card
Gas Stations	5X	6X
Wyndham Hotels

Category-by-Category Winner

The Citi Custom Cash Card wins in 9 of 11 categories. The Wyndham Rewards Earner Plus Card leads in 2.

Dining

Citi Custom Cash Card earns 5X vs 4X

Drugstores

Citi Custom Cash Card earns 5X vs 1X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Wyndham Rewards Earner Plus Card earns 6X vs 5X

Grocery Stores

Citi Custom Cash Card earns 5X vs 4X

Home Improvement

Citi Custom Cash Card earns 5X vs 1X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Streaming

Citi Custom Cash Card earns 5X vs 1X

Transit

Citi Custom Cash Card earns 5X vs 1X

The Bottom Line

The Citi Custom Cash Card has a lower annual fee ($0 vs $75), making it the more accessible option.

Choose the Citi Custom Cash Card if you want solid rewards with a lower cost of entry. Choose the Wyndham Rewards Earner Plus Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Wyndham Rewards Earner Plus Card worth the higher annual fee?: The Wyndham Rewards Earner Plus Card costs $75/yr vs $0/yr for the Citi Custom Cash Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Citi Custom Cash Card or Wyndham Rewards Earner Plus 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 Citi Custom Cash Card or the Wyndham Rewards Earner Plus Card?: Choose the Citi Custom Cash Card if you want lower fees and solid rewards. Pick the Wyndham Rewards Earner Plus Card if you spend enough to justify the $75/yr fee through its premium benefits and higher earn rates.

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

Wyndham Rewards Earner Plus Card — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Barclays cards

Citi Custom Cash Card vs Wyndham Rewards Earner Plus Card

Citi Custom Cash Card

Citi

No image

Wyndham Rewards Earner Plus Card

Barclays

Fees & Welcome Offer

Annual Fee

$75

Welcome Bonus

200 Cash

45,000 Hotel

Earn Rates

Category	Citi Custom Cash Card	Wyndham Rewards Earner Plus Card
Gas Stations	5X	6X
Wyndham Hotels

Category-by-Category Winner

The Citi Custom Cash Card wins in 9 of 11 categories. The Wyndham Rewards Earner Plus Card leads in 2.

Dining

Citi Custom Cash Card earns 5X vs 4X

Drugstores

Citi Custom Cash Card earns 5X vs 1X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Wyndham Rewards Earner Plus Card earns 6X vs 5X

Grocery Stores

Citi Custom Cash Card earns 5X vs 4X

Home Improvement

Citi Custom Cash Card earns 5X vs 1X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Streaming

Citi Custom Cash Card earns 5X vs 1X

Transit

Citi Custom Cash Card earns 5X vs 1X

The Bottom Line

The Citi Custom Cash Card has a lower annual fee ($0 vs $75), making it the more accessible option.

Choose the Citi Custom Cash Card if you want solid rewards with a lower cost of entry. Choose the Wyndham Rewards Earner Plus Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Wyndham Rewards Earner Plus Card worth the higher annual fee?: The Wyndham Rewards Earner Plus Card costs $75/yr vs $0/yr for the Citi Custom Cash Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Citi Custom Cash Card or Wyndham Rewards Earner Plus 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 Citi Custom Cash Card or the Wyndham Rewards Earner Plus Card?: Choose the Citi Custom Cash Card if you want lower fees and solid rewards. Pick the Wyndham Rewards Earner Plus Card if you spend enough to justify the $75/yr fee through its premium benefits and higher earn rates.

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

Wyndham Rewards Earner Plus Card — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Barclays cards

Pros & Cons

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

+Automatic Platinum status for life of card (normally requires 15 nights or 25,000 points)
+6x points at Wyndham hotels - strong earning for brand loyalists
+6x points on gas stations - excellent for road trips
+4x points on dining and groceries - solid everyday earning
+45,000 point welcome bonus worth up to 6 free nights

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel
−Cannot manually select bonus category - algorithm chooses based on spend
−Only one Custom Cash card allowed per person
−48-month restriction on welcome bonus if you've had one before

−Wyndham portfolio is primarily budget/midscale hotels
−Points only valuable within Wyndham ecosystem (limited transfer options)
−No lounge access or premium travel protections
−Only 1x earning on non-bonus purchases
−Platinum status benefits are modest (early check-in, car rental upgrades)

Pros & Cons

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

+Automatic Platinum status for life of card (normally requires 15 nights or 25,000 points)
+6x points at Wyndham hotels - strong earning for brand loyalists
+6x points on gas stations - excellent for road trips
+4x points on dining and groceries - solid everyday earning
+45,000 point welcome bonus worth up to 6 free nights

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel
−Cannot manually select bonus category - algorithm chooses based on spend
−Only one Custom Cash card allowed per person
−48-month restriction on welcome bonus if you've had one before

−Wyndham portfolio is primarily budget/midscale hotels
−Points only valuable within Wyndham ecosystem (limited transfer options)
−No lounge access or premium travel protections
−Only 1x earning on non-bonus purchases
−Platinum status benefits are modest (early check-in, car rental upgrades)

Pros & Cons

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

+Automatic Platinum status for life of card (normally requires 15 nights or 25,000 points)
+6x points at Wyndham hotels - strong earning for brand loyalists
+6x points on gas stations - excellent for road trips
+4x points on dining and groceries - solid everyday earning
+45,000 point welcome bonus worth up to 6 free nights

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
−3% foreign transaction fee makes it poor for international travel
−Cannot manually select bonus category - algorithm chooses based on spend
−Only one Custom Cash card allowed per person
−48-month restriction on welcome bonus if you've had one before

−Wyndham portfolio is primarily budget/midscale hotels
−Points only valuable within Wyndham ecosystem (limited transfer options)
−No lounge access or premium travel protections
−Only 1x earning on non-bonus purchases
−Platinum status benefits are modest (early check-in, car rental upgrades)

Citi Custom Cash Card vs Wyndham Rewards Earner Plus Card

Citi Custom Cash Card

Wyndham Rewards Earner Plus Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

The Bottom Line

Frequently Asked Questions

Explore More

Citi Custom Cash Card vs Wyndham Rewards Earner Plus Card

Citi Custom Cash Card

Wyndham Rewards Earner Plus Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

The Bottom Line

Frequently Asked Questions

Explore More

Citi Custom Cash Card vs Wyndham Rewards Earner Plus Card

Citi Custom Cash Card

Wyndham Rewards Earner Plus Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

The Bottom Line

Frequently Asked Questions

Explore More

Benefits & Features

Pros & Cons

Is the Fee Difference Worth It?

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Is the Fee Difference Worth It?

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Is the Fee Difference Worth It?

Which Card Is Right for You?