(Update: Might be fixed?) Wyndham Business Card reporting as a personal card to credit bureaus


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.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.
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
40K after after $3K spend in first 90 days
$95 Annual Fee
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
Base: 1X (0.88%)
Gas: 8X (7.04%)
Phone: 5X (4.4%)
Biz: 5X (4.4%)
Brand: 8X (7.04%)
Other: 5X (4.4%)
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.

Many business cards do not add to 5/24. Chase uses your personal credit report to determine how many cards you've opened in the past 24 months. However, most business credit cards are not routinely reported on personal credit reports. Even Chase's own business cards aren't routinely reported and therefore do not count towards your 5/24 total.  That is, if you are under 5/24 you can get approved for a Chase business card.  Once approved, that card will not worsen your 5/24 status.
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):

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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