A couple of readers who originally let us know that the Earner Card was showing up on their credit report wrote back to let us know that it had been removed.
We have had multiple reports of the Wyndham Business Card being reported to credit bureaus as a personal card. One reader reported that their spouse applied in 2021, but when they applied in 2022, it did not report as personal.
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: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.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 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:
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.
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