Capital One Savor vs Wyndham Earner Plus: Which Is Better In 2026?

Wyndham Rewards Earner Plus Breakdown

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Why We Like It

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Here's a breakdown of why we like the Wyndham Rewards Earner® Plus Card.

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• You'll automatically receive Wyndham Rewards Platinum status, which unlocks valuable perks like early check-in and car rental upgrades.
• The card provides an annual anniversary points bonus that can be redeemed for a free night at participating hotels.
• It offers flexible redemption options, allowing you to use points for hotel stays, travel partners, gift cards, and more.

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Pros

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• Earns points at an accelerated rate on eligible hotel stays, at gas stations, and on dining and grocery purchases.
• Charges no foreign transaction fees, making it a good choice for international travel.
• Cardholders receive automatic Platinum status, which includes perks and access to discounted room rates.

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Cons

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• The card comes with an annual fee.
• The annual anniversary points bonus may not be sufficient to cover a free night at many properties.
• Points are most valuable when redeemed for Wyndham stays, limiting flexibility for travelers who are not loyal to the brand.

Wyndham Rewards Earner Plus vs Capital One Savor Cash Rewards

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Categories

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When comparing the Capital One Savor Cash Rewards Credit Card and the Wyndham Rewards Earner® Plus Card, the best choice depends entirely on your spending habits and travel preferences. The question of which is better, Capital One Savor or Wyndham Earner Plus, comes down to what you value most in a rewards card.

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• Capital One Savor Cash Rewards Credit Card - This card is a premium rewards card best suited for food enthusiasts and entertainment seekers who spend frequently on dining out, events, and groceries.
• Wyndham Rewards Earner® Plus Card - This card is a hotel credit card designed for frequent guests of Wyndham properties who want to maximize rewards and enjoy elite status perks within the loyalty program.

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Redemption

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Capital One Savor Cash Rewards Credit Card: Rewards are earned as cash back, which can be redeemed flexibly as a statement credit or a check.

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Wyndham Rewards Earner® Plus Card: Points are redeemed through the Wyndham Rewards loyalty program, primarily for award nights at participating hotels and vacation rentals.

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Compare Top Rated Credit Cards with Kudos

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For a more personalized comparison, a tool like Kudos can help by evaluating nearly 3,000 credit cards based on your actual spending habits.

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• Test drive credit cards: Before you apply, you can simulate potential earnings from different cards using your real transaction data without impacting your credit score.
• Approval odds analysis: Receive a detailed analysis of your likelihood of being approved for various cards based on your credit report.
• Welcome offer guarantee: If you find a better public welcome offer within three months of being approved, Kudos will match it.
• Kudos Kickstart+: Unlock $100 in Kickstart+ Rewards by adding select approved cards to your Kudos Wallet.
• Personalized insights: Track your spending, monitor your credit score, and receive actionable recommendations to maximize your rewards.

Who Should Choose the Capital One Savor Cash Rewards?

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The Capital One Savor Cash Rewards Credit Card is a great fit for foodies and entertainment lovers, particularly urban professionals or active families who spend a significant portion of their budget on dining out, concerts, and movies. With unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores, this no-annual-fee card rewards these common spending habits. Additionally, it's a solid choice for international travelers, as it comes with no foreign transaction fees, making it a versatile card for use both at home and abroad.

Who Should Choose the Wyndham Rewards Earner Plus?

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The Wyndham Rewards Earner® Plus Card is best suited for loyalists of the Wyndham brand who frequently stay at its hotels, vacation rentals, or timeshares. Cardholders can maximize their earnings with high rewards rates on Wyndham stays, gas, dining, and grocery purchases. Additionally, the card is a great fit for travelers who value the immediate perks of automatic Platinum status and the annual anniversary bonus points that can be redeemed for a free night.

Alternatives to Consider

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After our Capital One Savor vs Wyndham Earner Plus comparison, you might find that neither card is the perfect fit. Fortunately, the world of rewards credit cards is vast, and we have a few other top contenders for you to consider.

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_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

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Tips for Application Success

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Before You Apply

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• Check your credit score: Most rewards cards require good to excellent credit for approval.
• Plan your spending: Ensure you can meet any welcome offer spending requirements without overspending.
• Know the benefits: Familiarize yourself with the card's core benefits to make sure they align with your lifestyle.

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Application Strategy

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• Consider your loyalty: Ensure a card's ecosystem, like a specific hotel network, aligns with your habits.
• Check for exclusions: Be aware that some bonus categories exclude purchases from superstores or wholesale clubs.
• Explore card pairings: Combine cards, such as a cash back and travel card, to enhance your rewards.

Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Which card is better for travel rewards?

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The best card depends on your travel style. The Wyndham Rewards® Earner® Plus Card is ideal for earning free nights specifically at Wyndham properties, while the Capital One Savor Rewards Credit Card offers flexible cash back that can be put toward any travel expense.

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What are the annual fees for these cards?

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The Capital One Savor Rewards Credit Card has a $95 annual fee, while the Wyndham Rewards® Earner® Plus Card has a $75 annual fee.

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Can I transfer Capital One rewards to Wyndham?

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While Capital One miles can be transferred to Wyndham Rewards, the Capital One Savor card earns cash back, which is not transferable to travel partners. You would need a miles-earning card from Capital One, such as a Venture card, to make that type of transfer.

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