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Joss & Main Mastercard® card

Joss & Main Mastercard®

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

Annual fee
None
Recommended credit
Good / Fair
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 Joss & Main Mastercard® lets design fans save up to 5% back on purchases with all five Wayfair family websites, enjoy special 0% APR financing on select purchases, and more – all for no annual fee.

Our review of the Joss & Main Mastercard®

The Joss & Main Mastercard® is a retail credit card offered by Joss & Main (part of the Wayfair family) and Citi. This card, with no annual fee, provides up to 5% cash back on purchases made in-store with the brand and up to 3% back on purchases elsewhere.

Earn 5% Cash Back at Joss & Main

One of the main highlights of the Joss & Main Mastercard® is the opportunity to earn 5% back on purchases made with Joss & Main or other Wayfair websites. This offer is a great deal, especially considering the premium costs associated with interior design and home décor products.

Additionally, cardholders can opt for no interest financing for up to 24 months, providing some financial flexibility when remodeling a home, apartment, or other space. It’s important to note that the 0% APR only applies if the balance is paid in full within the promotional period.

Earn Cash Back Online and on Groceries

The Joss & Main Mastercard® offers 3% cash back at grocery stores and 2% cash back on online purchases made outside of Wayfair sites, along with 1% cash back on all other eligible purchases. The 2% back on online purchases is a standout feature of this card, providing exceptional value for money.

Introductory Bonus

New card accounts can enjoy $40 off their first order of $250 or more. This offer cannot be combined with other financing offers or Wayfair discounts. Some exclusions apply.

How to Redeem Rewards with the Joss & Main Mastercard®

Cash back rewards with the Joss & Main Mastercard® can be redeemed as rewards points towards qualifying purchases at Wayfair family sites. Rewards are redeemable at a rate of 200 points for $6 in goods, with a limit of $2,500 in Wayfair Credit Card Reward Dollars per month.

Financing Plans

The Joss & Main Mastercard® offers special financing plans on select purchases, with options for up to 24 months of “no interest financing if paid in full.” These plans apply to different purchase amounts, providing flexibility for cardholders.

Other Card Features

Additional features of the Joss & Main Mastercard® include zero fraud liability, Mastercard Global Service for emergency assistance worldwide, and ID theft protection with complimentary credit report monitoring.

Should You Apply for the Joss & Main Mastercard® Credit Card?

The Joss & Main Mastercard® stands out among retail credit cards with its impressive cash back rewards categories, including 5% back on Joss & Main purchases, 3% back on groceries, and 2% back on online purchases outside of Wayfair sites. With no annual fee, this card is an excellent choice for those looking to save on home remodeling projects and everyday purchases. Apply today and start earning rewards with the Joss & Main Mastercard®.

Card features

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

  • 5% Back in Rewards at Joss & Main
  • 3% at grocery stores
  • 2% online
  • No interest financing if paid in full up to 24 months on qualifying orders
  • No annual fee

Who this card may suit

  • You are planning an interior design project
  • You plan to use your card for online purchases
  • You want a rewards card where rewards apply to one brand
  • 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: Good Credit Fair Credit.

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Joss & Main Mastercard®

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