Birch Lane Mastercard®
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Mastercard
- Regular purchase APR
- 31.99% variable based on the Prime Rate
At a glance
The Birch Lane Mastercard® provides the ideal tool for costly design projects, thanks to up to 5% back on purchases with all five Wayfair websites, special 0% APR financing on eligible Wayfair purchases, and more – all for $0 annual fee.
Our review of the Birch Lane Mastercard®
The Birch Lane Mastercard® is a retail credit card from Wayfair brand Birch Lane. This no annual fee credit card offers cardholders up to 5% cash back with Wayfair’s brands and 3% back on other purchases.
Earn 5% Cash Back on Purchases with Wayfair Brands
The Birch Lane Mastercard® gives cardholders the option to earn up to 5% cash back rewards on purchases with Birch Lane or other Wayfair websites. Additionally, cardholders can choose special 24 months of no interest financing on eligible purchases.
Earn Additional Cash Back on Select Categories
Cardholders can earn 3% on groceries and 2% on online purchases made outside of Wayfair sites, as well as 1% cash back on all other eligible purchases worldwide where Mastercard is accepted.
New Accounts Bonus
New card accounts receive $50 off their first order of $150 or more, providing great value right from the start.
How to Redeem Rewards with Wayfair
Cash back rewards can be redeemed as Wayfair rewards points, with 1% cash back equaling one point. Points can be redeemed towards qualifying purchases at Wayfair websites.
Wayfair Financing Plans
The Birch Lane Mastercard offers special financing plans on select purchases for up to two years, making it easier to complete interior design projects.
Other Card Features
Additional features of the Birch Lane Mastercard include Mastercard Zero Fraud Liability, Mastercard Global Service, ID Theft Protection, mobile wallet compatibility, and EMV chip and contactless payment technology.
Should You Apply for the Birch Lane Mastercard® Credit Card?
With its generous rewards rate, special financing options, and additional features, the Birch Lane Mastercard is a great choice for DIY enthusiasts and design-minded consumers. It is definitely worth considering adding to your wallet.
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
- 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 Birch Lane or other Wayfair brands
- You want to earn 5% back on Wayfair purchases, 3% back on groceries, and 2% back online
- You prefer access to special financing for larger purchases over 5% back
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 31.99% variable based on the Prime Rate |
| Balance Transfer APR | 31.99% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each advance, whichever is greater |
| Foreign Transaction Fee | 3% 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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Birch Lane Mastercard®
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