The Bank of America Customized Cash Rewards and Wyndham Rewards Earner Plus Card are closely matched. Bank of America Customized Cash Rewards wins on 2 categories ($200 signup bonus); Wyndham Rewards Earner Plus Card wins on 2 (no current bonus). The better pick depends on your spending patterns.
Bank of America Customized Cash Rewards vs Wyndham Rewards Earner Plus Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Bank of America Customized Cash Rewards and Wyndham Rewards Earner Plus Card are close enough that the better pick depends on where you spend most, how much value you get from perks, and whether you prefer one rewards ecosystem over the other.
Best if your main priority is the larger current welcome offer.
Best if you care most about stronger category earning on everyday spend.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Choice Category 3x
- Grocery Stores 2x
- All Other Purchases 1x
- Hotels by Wyndham 6x
- Vacation Club Purchases 4x
- Travel 4x
- Meal Delivery Credit $25
- Wyndham Rewards Diamond Status (Year 1)
- National Emerald Club Executive Status
- Points Payback
- United MileagePlus
Quick summary
A short version of the comparison with the main differences at a glance.
The Bank of America Customized Cash Rewards and Wyndham Rewards Earner Plus Card are closely matched. Bank of America Customized Cash Rewards wins on 2 categories ($200 signup bonus); Wyndham Rewards Earner Plus Card wins on 2 (no current bonus). The better pick depends on your spending patterns. On raw upside, Bank of America Customized Cash Rewards tops out at 3x versus 6x for Wyndham Rewards Earner Plus Card. Current signup bonus values are roughly $200 for Bank of America Customized Cash Rewards and $0 for Wyndham Rewards Earner Plus Card. Summary generated June 25, 2026. Source: https://cardcurator.ai/compare/bank-of-america-customized-cash-rewards-vs-wyndham-rewards-earner-plus-card
- Bank of America Customized Cash Rewards wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bank of America Customized Cash Rewards reaches 3x; Wyndham Rewards Earner Plus Card reaches 6x.
- Annual fee: Bank of America Customized Cash Rewards is no annual fee; Wyndham Rewards Earner Plus Card is $95/yr.
- Current public bonus values are approximately $200 and $0.
Common Questions: Bank of America Customized Cash Rewards vs Wyndham Rewards Earner Plus Card
Is the Bank of America Customized Cash Rewards or Wyndham Rewards Earner Plus Card better for dining?
Bank of America Customized Cash Rewards has no dining bonus; Wyndham Rewards Earner Plus Card earns 4x on dining.
Which has the higher signup bonus in 2026?
Bank of America Customized Cash Rewards currently offers $200 signup bonus (spend $1,000 in 3 months). Wyndham Rewards Earner Plus Card offers no current bonus. Bank of America Customized Cash Rewards has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bank of America Customized Cash Rewards and the Wyndham Rewards Earner Plus Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Customized Cash Rewards is from Bank of America and Wyndham Rewards Earner Plus Card is from Barclays, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.