Card database → Wyndham Rewards Earner Plus Card vs Royal ONE Plus Visa Signature
Wyndham Rewards Earner Plus Card vs Royal ONE Plus Visa Signature
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-08-21.
| Category | Wyndham Rewards Earner Plus Card | Royal ONE Plus Visa Signature |
|---|---|---|
| Dining | 3.2¢/$ (4x) | 2.0¢/$ (2x) |
| Groceries | 3.2¢/$ (4x) | 2.0¢/$ (2x) |
| Gas | 3.2¢/$ (4x) | 2.0¢/$ (2x) |
| Travel | 3.2¢/$ (4x) | 4.0¢/$ (4x) |
| Flights | 0.8¢/$ (1x) | 2.0¢/$ (2x) |
| Hotels | 0.8¢/$ (1x) 6x at Wyndham only — not counted | 2.0¢/$ (2x) |
| Streaming | 0.8¢/$ (1x) | 1.0¢/$ (1x) |
| Online retail | 0.8¢/$ (1x) | 1.0¢/$ (1x) |
| EV charging | 3.2¢/$ (4x) | 1.0¢/$ (1x) |
| Rideshare | 3.2¢/$ (4x) | 1.0¢/$ (1x) |
| Everything else | 0.8¢/$ (1x) | 1.0¢/$ (1x) |
| Annual fee | $95 | $99 |
| Statement credits (max/yr) | — | $230 |
| Foreign transaction fee | None | None |
| Signup bonus | 45,000 after $1,000/3mo | — |
Royal ONE Plus Visa Signature wins more of the everyday categories (6 of 11), but Wyndham Rewards Earner Plus Card costs $4 less per year — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (Wyndham Rewards at 0.80¢, Royal Caribbean points at 1.00¢). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.