Which card earns more rewards, the IHG One Rewards Credit Card or Wyndham Rewards Earner Card?

The IHG One Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the IHG One Rewards Credit Card 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.

IHG One Rewards Credit Card vs Wyndham Rewards Earner Card

Both cards cost $0/yr. The IHG One Rewards Credit Card leads on dining; the Wyndham Rewards Earner Card on gas stations.

Card data as of November 13, 2026.

Credit card comparison
Overview
	IHG One Rewards Credit Card Chase · No annual fee	Wyndham Rewards Earner Card Barclays · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	125,000 points	45,000 points
Rewards	IHG One Rewards	Wyndham Rewards
Foreign transaction fee	None	None
Network	Mastercard World Elite	Visa Signature
Earn ratesPer $1 spent
Dining	3x	3x
Electric Vehicle Charging	2x	3x Highest
Gas Stations	3x	3x
Grocery Stores	3x	3x
Wyndham Vacation Club	2x	3x Highest
Everything else	2x Highest	1x
Statement creditsAs the issuer states them · — means none on record
Dining & delivery	DoorDash DashPass $10/mo Instacart+	—
Perks & access— means none on record
Hotel status & programs	Gold Elite after $15,000 in calendar-year purchases IHG Silver Elite status 4th Reward Night Free on Points Stays	Annual Bonus Automatic Gold Level Benefits!
Other perks	$0 Foreign Transaction Fees 30% off reward points	Enjoy a Cardmember Booking Discount go free® Faster
Protections & insuranceLimits where published · — means none on record
Trip insurance	Trip Cancellation/Trip Interruption Insurance · up to $5,000	—
Baggage	Baggage Delay Insurance · up to $100 Lost Luggage Reimbursement · up to $3,000	—
Purchase & returns	Purchase Protection · up to $500	—
Pros & cons
Pros	No annual fee with automatic Silver Elite status Fourth night free on reward stays of 4+ nights (from 2027, after $5,000 of annual spend) 3x earning on dining, grocery stores and gas stations 2x earning on all other purchases (above-average base rate) Path to Gold Elite with $15,000 annual spend	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	Silver Elite status provides minimal benefits Lower earning rate at IHG properties (5x vs 10x on Premier) Only 5 Elite Night Credits a year No annual free night certificate $15,000 spend requirement for Gold status is steep	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
	Card details	Card details

IHG One Rewards Credit Card
Chase · No annual fee
Wyndham Rewards Earner Card
Barclays · No annual fee

Overview

Annual fee: IHG One Rewards Credit Card
$0
Wyndham Rewards Earner Card
$0
Welcome offerCurrent public offer: IHG One Rewards Credit Card
125,000 points
Wyndham Rewards Earner Card
45,000 points
Rewards: IHG One Rewards Credit Card
IHG One Rewards
Wyndham Rewards Earner Card
Wyndham Rewards
Foreign transaction fee: IHG One Rewards Credit Card
None
Wyndham Rewards Earner Card
None
Network: IHG One Rewards Credit Card
Mastercard World Elite
Wyndham Rewards Earner Card
Visa Signature

Earn ratesPer $1 spent

Dining: IHG One Rewards Credit Card
3x
Wyndham Rewards Earner Card
3x
Electric Vehicle Charging: IHG One Rewards Credit Card
2x
Wyndham Rewards Earner Card
3x
Highest
Gas Stations: IHG One Rewards Credit Card
3x
Wyndham Rewards Earner Card
3x
Grocery Stores: IHG One Rewards Credit Card
3x
Wyndham Rewards Earner Card
3x
Wyndham Vacation Club: IHG One Rewards Credit Card
2x
Wyndham Rewards Earner Card
3x
Highest
Everything else: IHG One Rewards Credit Card
2x
Highest
Wyndham Rewards Earner Card
1x

Statement creditsAs the issuer states them · — means none on record

Dining & delivery: IHG One Rewards Credit Card
DoorDash DashPass
$10/mo Instacart+
Wyndham Rewards Earner Card
—

Perks & access— means none on record

Hotel status & programs: IHG One Rewards Credit Card
Gold Elite after $15,000 in calendar-year purchases
IHG Silver Elite status
4th Reward Night Free on Points Stays
Wyndham Rewards Earner Card
Annual Bonus
Automatic Gold Level Benefits!
Other perks: IHG One Rewards Credit Card
$0 Foreign Transaction Fees
30% off reward points
Wyndham Rewards Earner Card
Enjoy a Cardmember Booking Discount
go free® Faster

Protections & insuranceLimits where published · — means none on record

Trip insurance: IHG One Rewards Credit Card
Trip Cancellation/Trip Interruption Insurance · up to $5,000
Wyndham Rewards Earner Card
—
Baggage: IHG One Rewards Credit Card
Baggage Delay Insurance · up to $100
Lost Luggage Reimbursement · up to $3,000
Wyndham Rewards Earner Card
—
Purchase & returns: IHG One Rewards Credit Card
Purchase Protection · up to $500
Wyndham Rewards Earner Card
—

Pros & cons

Pros: IHG One Rewards Credit Card
No annual fee with automatic Silver Elite status
Fourth night free on reward stays of 4+ nights (from 2027, after $5,000 of annual spend)
3x earning on dining, grocery stores and gas stations
2x earning on all other purchases (above-average base rate)
Path to Gold Elite with $15,000 annual spend
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: IHG One Rewards Credit Card
Silver Elite status provides minimal benefits
Lower earning rate at IHG properties (5x vs 10x on Premier)
Only 5 Elite Night Credits a year
No annual free night certificate
$15,000 spend requirement for Gold status is steep
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

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Wyndham Rewards Earner Card wins in 2 of 3 categories. The IHG One Rewards Credit Card leads in 1.

Electric Vehicle Charging

Wyndham Rewards Earner Card earns 3X vs 2X

Wyndham Vacation Club

Wyndham Rewards Earner Card earns 3X vs 2X

Everyday purchases

IHG One Rewards Credit Card earns 2X on all other spending 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 IHG One Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	IHG One Rewards Credit Card	Wyndham Rewards Earner Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $173 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $188 Year one: $938	Rewards: $151 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $151 Year one: $466	IHG One Rewards Credit Card	IHG One Rewards Credit Card
Heavy spender: $4,000/month	Rewards: $691 Credits (our usable estimate): $15 − Annual fee ($0) Ongoing: $706 Year one: $1,456	Rewards: $605 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $605 Year one: $920	IHG One Rewards Credit Card	IHG One Rewards Credit Card

Which Card Is Right for You?

Get the IHG One Rewards Credit Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

Both scenarios favor the IHG One Rewards Credit Card on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 2X on the IHG One Rewards Credit Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the IHG One Rewards Credit Card or Wyndham Rewards Earner Card?: The IHG One Rewards Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
Should I get the IHG One Rewards Credit Card 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.

Explore More

IHG One Rewards Credit Card — Full Review All Chase Cards

Wyndham Rewards Earner Card — Full Review All Barclays Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Chase cards · Barclays cards

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.