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AllModern Mastercard®

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Mastercard
Regular purchase APR
31.99% variable based on the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The AllModern Mastercard® provides the ideal tool for making design improvements, thanks to up to 5% back on purchases with all five Wayfair family websites, special 0% APR financing on eligible purchases, and more – all for no annual fee.

Our review of the AllModern Mastercard®

Are you looking for a credit card expert’s opinion on the AllModern Mastercard®? Look no further! In this review, we will dive into the features, benefits, and drawbacks of this credit card to help you decide if it’s the right choice for you.

The AllModern Mastercard® is a popular choice for those who love to shop for modern furniture and home decor. With this credit card, you can earn rewards on all your purchases at AllModern, as well as on everyday purchases. Plus, cardholders can enjoy special financing options and exclusive discounts.

One of the main benefits of the AllModern Mastercard® is its rewards program. Cardholders can earn points on every purchase they make, which can then be redeemed for discounts or cash back. Plus, with no annual fee, this card is a great option for those looking to maximize their rewards without breaking the bank.

However, it’s important to note that the AllModern Mastercard® does come with a high APR, so if you tend to carry a balance, this may not be the best choice for you. Additionally, the rewards program is somewhat limited compared to other credit cards on the market.

Overall, the AllModern Mastercard® is a solid choice for those who love shopping at AllModern and want to earn rewards on their purchases. Just be sure to weigh the benefits and drawbacks before making a decision.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • 5% back in Rewards at Wayfair brands, including AllModer
  • 3% back at grocery stores
  • 2% back on online purchase outside of Wayfair brands
  • 1% back on all other purchases
  • No interest financing if paid in full up to 24 months on qualifying orders
  • No annual fee

Who this card may suit

  • You frequently shop at AllModern or other Wayfair brands
  • You want access to special financing for larger purchases
  • You want to earn 5% back on Wayfair purchases and 2% back online
  • You do't want to pay an annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR31.99% variable based on the Prime Rate
Balance Transfer APR31.99% variable based on the Prime Rate
Balance Transfer Transaction FeeEither $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR29.99% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each advance, whichever is greater
Foreign Transaction Fee3% of the U.S. Dollar amount of each purchase

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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AllModern Mastercard®

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