Wayfair 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 Wayfair Mastercard® provides design-inspired up to 5% cash 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 Wayfair Mastercard®
The Wayfair Mastercard® is a retail credit card offered by Wayfair and Citi, providing up to 5% cash back in-store with Wayfair and up to 3% back elsewhere. Citi does not charge an annual fee for any of Wayfair’s credit cards, including the Wayfair card and the Joss & Main Mastercard.
Earn 5% Cash Back at Wayfair Brands
The Wayfair Mastercard® offers cardholders the opportunity to earn 5% back on purchases at Wayfair websites or select special no-interest financing for up to 24 months. This 5% back offer is a great deal compared to other retail cards, especially for those looking to save on premium home furnishings and décor products.
Eligible 5% back brands include:
- Wayfair.com
- AllModern.com
- BirchLane.com
- JossandMain.com
- Perigold.com
Before opting for special financing, keep in mind that 0% APR only applies if the balance is paid in full before the end of the two years. Interest will be charged from the purchase date if the full balance is not paid by the end of the special financing period.
Earn Cash Back Online and on Groceries
The Wayfair Mastercard® offers 3% cash back at grocery stores, 2% back on online purchases not made at Wayfair-branded sites, and 1% cash back on all other eligible purchases. The 2% back on online purchases provides great value, especially for a retail credit card on the Mastercard network.
Introductory Bonus Options
New Wayfair credit card accounts can enjoy $40 off their first order of $250 or more. This offer cannot be combined with any other financing offer or Wayfair discounts.
How to Redeem Rewards with the Wayfair Mastercard®
Redeeming cash back rewards with the Wayfair Mastercard® is simple. Cash back is earned in the form of rewards points, with 1% cash back equaling one point. Points can be redeemed towards qualifying purchases at Wayfair family sites.
Special Ongoing Financing Plans
The Wayfair Mastercard® offers special financing plans on eligible purchases, known as “no interest financing if paid in full,” for up to 24 months.
Other Card Features
Additional features of the Wayfair Mastercard® include Mastercard Zero Fraud Liability, Mastercard Global Service, and ID Theft Protection.
Should You Apply for the Wayfair Mastercard® Credit Card?
The Wayfair Mastercard® provides exceptional value with 5% cash back on Wayfair purchases and competitive cash back rates on groceries and online purchases. If you are a frequent shopper at Wayfair and its family of brands, this card could be a great addition 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
- 3% back at grocery stores
- 2% back on online purchases outside of Wayfair brands
- No interest financing if paid in full up to 24 months on qualifying orders
- No annual fee
Who this card may suit
- You're planning a renovation or interior design project
- You want a rewards card where rewards apply to one brand
- 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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Wayfair Mastercard®
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