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Wyndham Rewards Earner Plus Card vs Citi Strata Elite Card

Both are well-respected travel cards. The Wyndham Rewards Earner Plus Card comes from Barclays at $75/yr; the Citi Strata Elite Card from Citi at $595/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Citi Strata Elite Card is the stronger pick today — the sign-up bonus is meaningfully larger ($840 more in estimated value) than the Wyndham Rewards Earner Plus Card's. Get the Citi Strata Elite Card first; revisit the Wyndham Rewards Earner Plus Card after you've earned that bonus.

FeatureWyndham Rewards Earner Plus CardCiti Strata Elite Card
Annual fee$75$595
Sign-up bonus60,000 points80,000 points
Bonus value (est.)$600$1,440
Min spend to unlock bonus$1,000 in 3 mo$6,000 in 3 mo
IssuerBarclaysCiti
Card categoryhoteltravel
Best earning category (Wyndham)6x1x
Transfer partnerswyndham-rewardsciti-ty
Headline benefits
  • 7,500 anniversary points
  • Platinum status
  • Vacasa redemptions
  • 4x gas + groceries
  • 12x on Citi hotels
  • $300 hotel + $200 Splurge + $200 Blacklane
  • 4 Admirals Club passes
  • Citi TY transfer to 16 partners
Read the full review
Wyndham Rewards Earner Plus Card
$75/yr · 60,000 points
Read the full review
Citi Strata Elite Card
$595/yr · 80,000 points

Editorial take: Wyndham Rewards Earner Plus Card

Underrated card for Vacasa rentals and Caesars properties (which take Wyndham points). The 7,500 anniversary points alone (~$75 in value) make the fee a wash; Platinum status adds late checkout and 15% bonus.

Editorial take: Citi Strata Elite Card

Citi's premium answer to Amex Platinum + Sapphire Reserve. The 12x on Citi-booked hotels is the best earning rate in the category; the $200 Blacklane and 4 Admirals Club passes are differentiated perks. $595 fee penciled out if you'll actually use the hotel + Splurge credits.

Common questions

Which card has the bigger sign-up bonus, Wyndham Rewards Earner Plus Card or Citi Strata Elite Card?
The Citi Strata Elite Card has the bigger bonus — 80,000 points, worth roughly $1,440, versus 60,000 points (~$600) on the Wyndham Rewards Earner Plus Card.
Is the Wyndham Rewards Earner Plus Card's $75 annual fee worth it compared to the Citi Strata Elite Card?
At $75/yr, the Wyndham Rewards Earner Plus Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Strata Elite Card's — pick the one whose perks you'll actually use.
Can I have both the Wyndham Rewards Earner Plus Card and Citi Strata Elite Card?
Yes, since they're from different issuers (Barclays and Citi) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Wyndham Rewards Earner Plus Card or the Citi Strata Elite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Wyndham Rewards Earner Plus Card: $1,000 spend in 3 months. Citi Strata Elite Card: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.