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|
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
- Capital One Spark Cash
- Navy Federal CU
- 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)
- 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.