Bring your ideas to life even sooner with a Wayfair Credit Card
Bring your ideas to life even sooner with a Wayfair Credit Card
Starting with:
Starting with:
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$40 off your qualifying first order of $250+superscript1, plus no annual fee superscript1,
Already a card member? Manage your Account Link
Do what you want and more with these great perks:
Do what you want and more with these great perks:
5% BACK in Rewards at Wayfair
5% BACK in Rewards at Wayfair
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Bonus: They never expire! superscript 1
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No Interest Financing if Paid in Full up to 24 Months superscript 1
on qualifying orders.
on qualifying orders.
Interest will be charged from purchase date if balance is not paid in full within promotional period.
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See if you pre-qualify superscript1
It takes seconds and doesn't affect your credit score.
It takes seconds and doesn't affect your credit score.
The right card for you is one easy application away
Wayfair Mastercard®
Wayfair Credit Card
Earn Rewards and more when you shop at Wayfair.
- $40 OFF your qualifying first order of $250+ if you choose Rewards1
- No annual fee1
Plus, your choice between two perks on each order:
- 5% BACK in Rewards at Wayfair1.No Interest Financing if paid in full up to 24 months on qualifying orders1.
Earn Wayfair Rewards everywhere else you shop1.
- 3% at grocery stores
- 2% online purchases
- 1% everywhere else
Frequently Asked Questions
Frequently Asked Questions
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superscript 1 Rewards and Financing Details
Introductory Offer:
Introductory Offer:
You will receive $40 off your qualifying first order if it is at least $250. Cannot be combined with any other discount or financing offers. Additional exclusions apply for select manufacturers, gift cards and purchases made with a Wayfair Professional profile. Offer only applies to first Wayfair order made with your Wayfair Credit Card or Wayfair Mastercard. Offer not available for purchases at Perigold. Minimum purchase amount excludes tax, shipping and other discounts. Subject to credit approval.
Rewards:
Rewards:
You will earn Reward Dollars on all Net Qualifying Purchases. For both the Wayfair Credit Card and Wayfair Mastercard you will earn 5% back in Reward Dollars when you use your card at Wayfair Sites. For the Wayfair Mastercard, you will earn Reward Dollars when you use your card outside of Wayfair Sites: 3% at grocery stores; 2% for Qualifying Online Purchases not made at Wayfair Sites; and 1% on all other Net Qualifying Purchases made with your Wayfair Mastercard. Qualifying Online Purchases are those made via a computer network, but not all online transactions will be considered Qualifying Online Purchases. Qualifying Online Purchases do not include the following types of purchases in the following categories: subscription, membership or recurring purchases; utilities, cable/satellite and telephone; insurance; medical and healthcare providers; government services, taxes and tolls; education including schools or other teaching institutions; contractor, professional, financial, legal, personal and business services; repair services; direct marketing; and purchases that manually are keyed by a merchant. You may only earn 1%, not 3%, for grocery or food purchases made at convenience stores, gas stations, warehouse clubs, supercenters and discount stores, and only 1%, not 2%, for purchases made through mobile/wireless technology depending on how the technology is set up to process the purchase. Merchants must submit charges under the appropriate merchant code or industry code to be eligible as Qualifying Online Purchases and/or Net Qualifying Purchases in the different categories. Neither Wayfair nor Citibank determine whether merchants appropriately identify all transactions made on a credit card, but Wayfair does reserve the right to determine which purchases qualify for Reward Dollars. Reward Dollars are not earned on returns, refunds, promotions or other credit adjustments, unauthorized or fraudulent charges, charges that violate the terms of your Card Agreement, balance transfers, cash advances or any other transaction treated like a cash advance, lottery tickets, gaming chips and similar transactions, interest, fees, purchases where promotional financing is applied and any portion of a purchase made with Reward Dollars. Reward Dollars have no cash value and are not redeemable for cash. You will forfeit unused Reward Dollars in certain circumstances including if your account is closed or participation in the program is terminated, unless prohibited by law. Any rewards that are not forfeited upon closure will appear in your Wayfair Account as a store credit. Additional terms and exclusions apply. The Wayfair Credit Card and Wayfair Mastercard Rewards Program is offered by Wayfair. Wayfair may withdraw the rewards program or change the terms of the program at any time for any reason. Citibank, N.A. is not responsible for products and services offered by other companies. See the full Wayfair Credit Card and Wayfair Mastercard Rewards Program Terms at rewards terms
No Annual Fee:
No Annual Fee:
As of 08/01/2023 the Wayfair Credit Card Purchase APR: variable 32.24%, Min. interest charge $2. Wayfair Mastercard Purchase APR: variable 32.24%; Balance Transfer APR: variable 32.24%; Cash APR: 29.99%; balance transfer fee is the greater of $10 or 5% of the amount of each transfer, cash advance fee is the greater of $10 or 5% of the amount of each cash advance, Min. interest charge: $2; Fee for foreign purchases is 3% of the U.S. Dollar amount of each purchase.
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No Interest Financing if paid in full up to 24 months superscript asterisk
- 6 month* Financing on orders over $199
- 12 month* Financing on orders over $799
- 18 month* Financing on orders over $1499
- 24 month* Financing on orders over $2999
*With credit approval for qualifying purchases made on the Wayfair Credit Card or Wayfair Mastercard at participating Wayfair sites. Financing is not available for Wayfair in-store purchases. The following Purchase APR is accurate as of 08/01/2023 and will vary: 32.24%. Minimum interest charge: $2. Offer valid for consumer accounts in good standing. Promotional financing orders will not earn Rewards and are not eligible for the introductory offer. The suggested monthly payment stated is an estimate based on the listed purchase amount divided by the number of months in the promotional period. It excludes sales tax, is rounded to the next highest dollar amount and does not include additional payments that may be required for an existing balance or future transactions. In order to pay your promotional balance by the end of the period you may have to make a payment each month that is higher than your required minimum payment.
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Major Purchase Plans
Valid through 05/31/2024. 9.99% APR for 36 months on orders over $1,599 9.99% APR for 48 months on orders over $1,799 9.99% APR for 60 months on orders over $1,999 With credit approval for qualifying purchases made on the Wayfair Credit Card or Wayfair Mastercard at participating Wayfair sites. Financing is not available for Wayfair in-store purchases. Additional monthly payments may be required if you have other balances or late payments. See card agreement for details. Promotional financing orders will not earn Rewards and are not eligible for the introductory offer.
Pre-Qualify:
Pre-Qualify:
See if you pre-qualify for the Wayfair Credit Card. This is not an application for credit. Wayfair Credit Card & Wayfair Mastercard is issued by Citibank, N.A.. Citi and Arc Design is a registered service mark of Citigroup Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.