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

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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.

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
Wyndham Rewards Earner Business Card
Up to 75K Points
Up to 75K points: 65K points after $2K spend in first 90 days + 10K points after 1st purchase on an empoloyee card

$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.


Card Type: Visa Signature

Base
Gas
Phone
Biz
Brand
Other

Earning rate: 8X Wyndham & gas ⚬ 5X marketing, advertising, and utilities (telecommunications, cable, satellite, electric, gas, heating oil and water) ⚬ 1X everywhere else

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

See also: Wyndham Earner credit cards review: Surprisingly strong

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):
  • Capital One (except Spark Cash)
  • Discover
  • 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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coleccionables

Any new DP? considering the barclays Business Earner Wyndham but only if not reported to personal credit bureaus… Thanks.

goob6008

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.

Greg The Frequent Miler

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.

goob6008

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?

Greg The Frequent Miler

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 […]

whocares

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.

mark

“Disturbing” might be a bit strong. More annoying than disturbing.

Aloha808

Might be wise to avoid the JetBlue Business Card for now also, if trying to stay under 5/24.

C.W.

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.

GetToThePoints

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.

Last edited 7 months ago by GetToThePoints
C.J.

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.

Last edited 7 months ago by C.J.
Brants

Reason behind the ban?

Nathan

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.

Last edited 7 months ago by Nathan