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UPDATE 2/18: A couple of readers who originally let us know that the Wyndham Business Earner Card was showing up on their personal credit report wrote back to let us know that it has since been removed. We’re not yet sure if these are isolated incidents, but it could be that it was an issue on Barclay’s side that they are now in the process of fixing. If you had the Wyndam Business show up on your personal report, take a another look and let us know if that’s changed within the last week.
We’ve had multiple reports that the Wyndham Business Card seems to be reporting as a personal card to credit bureaus, unexpectedly taking a 5/24 slot. This appears to have started for new applicants in 2022. One reader reported that their spouse applied in 2021 and it didn’t report as personal, but when they applied in 2022 it did. Exercise caution if you’re looking at this card as a means to fly under 5/24.
To determine your 5/24 status, see: Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.
Key Card Details
| Card Offer and Details |
|---|
Up to 80K Points ⓘ Non-Affiliate Up to 80K points: 40K after after $4K spend in first 90 days + 40K after $15K spend in first 365 days (Offer Expires 1/8/2025)$95 Annual Fee Recent better offer: Expired 7/11/24: 100K after $15K in spend FM Mini Review: Excellent earning rate at gas stations and Wyndham hotels. Diamond status plus 15K annual bonus makes this card a keeper. Earning rate: 8X Wyndham & gas ✦ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ✦ 1X everywhere else Card Info: Visa Signature issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: 15,000 points each anniversary year ✦ Diamond status ✦ 10% discount on free night awards ✦ Cardmember discount on paid stays ✦ No foreign transaction fees |
Quick Thoughts
This is obviously disturbing news as the Business Earner has become a favorite due to its 8x earnings on gas stations as well as the surprising value that can be found with the Wyndham-linked Vacasa Vacation Rentals.
More:
According to Doctor of Credit, the following banks do not routinely report business accounts to the personal credit bureaus:- American Express (except for Canadian Amex)
- Bank of America
- Barclaycard
- Capital One Spark Cash
- Chase
- Citi
- FNBO
- Navy Federal CU
- PNC
- US Bank
- Wells Fargo
The following banks do report business cards on personal credit reports (and therefore do count towards 5/24):
- Capital One (except the Spark Cash Plus charge card)
- TD Bank
- UBS Bank
It seems like the Wyndham Business may be an exception to the rule here. If you’re trying to stay under 5/24, exercise caution and pay attention to DP’s in order to avoid unknowingly using a slot on the card.
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I successfully Applied for the Wyndham business card in March 2023 and 15 days past my first statement date cycle. This card has not shown up on my consumer credit report.
Any recent data points on if this is showing up on personal credit history?
I haven’t heard of this showing up on personal credit reports since the original issue was fixed.
A hard inquiry just hit me on Transunion on 12/31/2022. Unsure if it’s a glitch, but this post is motivating me to reach out to see if this was a mistake
EDIT: After reading the post below, I can confirm that my TU report isn’t listing this account in my personal history
Great
Any new DP? considering the barclays Business Earner Wyndham but only if not reported to personal credit bureaus… Thanks.
I just applied for the card today… got approved instantly. Minutes later I got an email from a credit monitor service that there was a hard pull on my Transunion report. I will report back if it falls off.
A hard pull is expected. If you are approved, though, we wouldn’t expect the card to appear on your report as a new account.
Ah, I see. I thought about that after posting. I was approved and no new accounts are showing. Do you know how quickly new accounts would typically be reported?
It usually takes a while. I think it varies by bank, but I’m not sure how long it takes for Barclays
[…] 2/18/22: FM is reporting that some people that had their accounts reported to their personal reports are now no […]
Recently applied for this card (Feb 2022) and MAY be approved once I fax in some documents. Will keep posted if I see it as an open account on my personal report.
“Disturbing” might be a bit strong. More annoying than disturbing.
Might be wise to avoid the JetBlue Business Card for now also, if trying to stay under 5/24.
With the DPs of Hawaiian Biz also reporting to personal credit reports in ’22, this may be more of a Barclays wide change, not just Wyndham Biz.
Capital 1 reports business cards to your personal credit history also. This is bad for a business card because card balances on business cards can run much higher than on personal cards. The way around this is to pay your balance so the payment posts before the billing period closes. And, then don’t use the card until you are in the next billing cycle. Sort of a pain but necessary.
I have been banned from Barclays. It’s been about four years and my applications are immediately denied without even pulling a credit check. I was told it was not permanent, but it apparently is.
It’s a shame, as I’ve gotten really good value out of some Wyndham stays.
Reason behind the ban?
Several years ago, I was banned from Barclays for earning too much via the UPromise portal with credit card match (5% + 5%). They sent a letter saying they made a “business decision” to close my card. This was after earning more than $100K over a few years. This was from buying $$$$$$$ of physical goods, no returns. I guess I used that program in a bigger way than they may have envisioned.
~18 months ago, it had been at least 5 years since the account closure when I applied for a Barclays business Jetblue card. After sitting on my application ~3 weeks, they approved it and I received the card. Only to have it closed less than a month later. “We have recently conducted a review of our accounts….we are unable to maintain an account with you for the following reason: Your history of account usage.”
So Barclays may be dead for me. I really want their Wyndham and Jetblue cards for the points rebate as I earn and spend a lot of those points.