First-year winner
Wyndham Rewards Earner Plus Card
$693 Year 1 edge
$1,459 vs $766
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
U.S. Bank Altitude Go Visa Signature Card
Counted benefits
$15
Credits
$15
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Credit
Annual Streaming Credit
Streaming Credits · Listed $15/yr
Altitude Go includes a recurring streaming-service credit mechanic for eligible subscriptions.
Perk
No Annual Fee
Other · No listed cash value
You can keep the card long term without paying a recurring annual fee.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Card B
Wyndham Rewards Earner Plus Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Wyndham Hotel Program Perks
Other · No listed cash value
The Wyndham Earner family is built around hotel-program value such as elite-style perks and anniversary-points style benefits.
Perk
Hotel Status and Award Value
Other · No listed cash value
Wyndham co-brand cardholders can turn ongoing spend into stronger hotel-stay value across the Wyndham ecosystem.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Travel Rewards Ecosystem
Other · No listed cash value
The card is designed to fit into a broader travel-rewards setup through issuer redemptions, hotel stays, flights, or travel-portal bookings.
Verdict
Wyndham Rewards Earner Plus wins year 1 and long term.
Winner after year 1
Wyndham Rewards Earner Plus Card
$143 ongoing edge
$709 vs $566
Long-term breakeven: the higher-reward option needs roughly $11,273 per year in this spend mix to overcome the fee and benefit gap.
U.S. Bank
U.S. Bank Altitude Go Visa Signature Card
Year One
$766
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$566
Annual rewards + counted benefits - fee
Annual Rewards
$551
1.89% effective return
Welcome Offer
$200
Current listed first-year bonus value
Credits + Perks
$15
$15 credits + $0 perks
Bonus Spend
$1,000
3 mo window · $333/mo pace · Comfortable
Why it wins
- • Stays usable for international purchases.
Watch for
- • The points value case is thinner without transfer-partner flexibility.
Barclays
Wyndham Rewards Earner Plus Card
Year One
$1,459
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$709
Annual rewards + counted benefits - fee
Annual Rewards
$784
2.69% effective return
Welcome Offer
$750
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$2,000
3 mo window · $667/mo pace · Comfortable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Earns well on the spend mix you entered.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
4x
$5,400
U.S. Bank Altitude Go Visa Signature
$216
4.00%
Wyndham Rewards Earner Plus
$216
4.00%
Groceries
2x
$7,800
U.S. Bank Altitude Go Visa Signature
$156
2.00%
Wyndham Rewards Earner Plus
$312
4.00%
Travel
1x
$3,000
U.S. Bank Altitude Go Visa Signature
$30
1.00%
Wyndham Rewards Earner Plus
$30
1.00%
Gas
2x
$1,920
U.S. Bank Altitude Go Visa Signature
$38
2.00%
Wyndham Rewards Earner Plus
$115
6.00%
General
1x
$11,040
U.S. Bank Altitude Go Visa Signature
$110
1.00%
Wyndham Rewards Earner Plus
$110
1.00%
Total annual spend
$29,160 across this mix
U.S. Bank Altitude Go Visa Signature$551
Wyndham Rewards Earner Plus$784
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | U.S. Bank Altitude Go Visa Signature Card | Wyndham Rewards Earner Plus Card |
|---|---|---|
| Costs | ||
| Annual fee | Free | $75 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Dining rewards | 4x | 4x |
| Gas rewards | 2x | 6x |
| Groceries rewards | 2x | 4x |
| Streaming rewards | 2x | — |
| All rewards | 1x | 1x |
| Offer | ||
| Welcome offer | 20,000 bonus points Spend $1,000 in 3 mo | 75,000 bonus points Spend $2,000 in 3 mo |
| Benefits | ||
| Estimated benefits | ~$15/yr | 4 listed |
| Benefit highlights | Annual Streaming Credit · No Annual Fee · No Foreign Transaction Fees · +1 more | Wyndham Hotel Program Perks · Hotel Status and Award Value · No Foreign Transaction Fees · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | visa | mastercard |
| Reward type | Points | Points |
Costs
Annual fee
U.S. Bank Altitude Go Visa Signature Card
Free
Wyndham Rewards Earner Plus Card
$75
Foreign transaction fee
U.S. Bank Altitude Go Visa Signature Card
None
Wyndham Rewards Earner Plus Card
None
Rewards
Dining rewards
U.S. Bank Altitude Go Visa Signature Card
4x
Wyndham Rewards Earner Plus Card
4x
Gas rewards
U.S. Bank Altitude Go Visa Signature Card
2x
Wyndham Rewards Earner Plus Card
6x
Groceries rewards
U.S. Bank Altitude Go Visa Signature Card
2x
Wyndham Rewards Earner Plus Card
4x
Streaming rewards
U.S. Bank Altitude Go Visa Signature Card
2x
Wyndham Rewards Earner Plus Card
—
All rewards
U.S. Bank Altitude Go Visa Signature Card
1x
Wyndham Rewards Earner Plus Card
1x
Offer
Welcome offer
U.S. Bank Altitude Go Visa Signature Card
20,000 bonus points
Spend $1,000 in 3 mo
Wyndham Rewards Earner Plus Card
75,000 bonus points
Spend $2,000 in 3 mo
Benefits
Estimated benefits
U.S. Bank Altitude Go Visa Signature Card
~$15/yr
Wyndham Rewards Earner Plus Card
4 listed
Benefit highlights
U.S. Bank Altitude Go Visa Signature Card
Annual Streaming Credit · No Annual Fee · No Foreign Transaction Fees · +1 more
Wyndham Rewards Earner Plus Card
Wyndham Hotel Program Perks · Hotel Status and Award Value · No Foreign Transaction Fees · +1 more
Profile
Credit needed
U.S. Bank Altitude Go Visa Signature Card
Good
Wyndham Rewards Earner Plus Card
Good
Network
U.S. Bank Altitude Go Visa Signature Card
visa
Wyndham Rewards Earner Plus Card
mastercard
Reward type
U.S. Bank Altitude Go Visa Signature Card
Points
Wyndham Rewards Earner Plus Card
Points