$40 off your qualifying first order of $100+ superscript **
when you open a new account. Valid through 8/4/2025. Plus earn 7% back superscript ** in rewards on qualifying items across the Wayfair Family of Brands
Already a card member? link Manage Your Account
The perfect home edition. In your wallet.
7% back superscript in rewards
on qualifying items at Wayfair. Bonus: They never expire! superscript
Up to 60 months superscript financing
with 5% back superscript in rewards on qualifying items at Wayfair
Unlimited rewards and flexible financing - the card made for every style, every home.
Wayfair Mastercard®
Wayfair Credit Card
Earn Rewards and more when you shop at Wayfair.
- Free and automatic enrollment in Wayfair Rewards², plus no annual fee**
- $40 off your qualifying first order of $100+** when you open a new account. Valid through 8/4/2025
Plus, your choice between two perks on each order:
- 7% back** in rewards on qualifying items at Wayfair.Up to 60 months** financing with 5% back** in rewards on qualifying items at Wayfair.
Earn Wayfair Rewards everywhere else you shop**.
- 3% at grocery stores
- 2% online purchases
- 1% everywhere else
Frequently Asked Questions
superscript Rewards and Financing Details
Introductory Offer
You will receive $40 off your qualifying first order if it is at least $100 through 8/4/2025. Cannot be combined with any other discount or financing offers. Additional link 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 or at Wayfair outlet stores. Minimum purchase amount excludes tax, shipping, and other discounts. Subject to credit approval.
Rewards:
Rewards:
You will earn Reward Dollars on all Eligible Purchases. For both the Wayfair Credit Card and Wayfair Mastercard® you will earn 7% in Rewards when you use your card at Wayfair’s family of websites, mobile applications, and physical retail stores. Rewards are not earned on returns, refunds, promotional discount, post-order cost adjustments, purchases at outlet locations, purchases made by accounts enrolled in the Wayfair Professional program; gift cards, services (including home installation and assembly, extended warranties and design services), donations, Porch restaurant, taxes and any shipping or delivery fees, 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, and any portion of a purchase made with Reward Dollars. For purchases where promotional financing is applied, you will earn 5% in Rewards, not 7%, on Eligible Purchases. 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. Additional terms and exclusions apply. The Wayfair Credit Card and Wayfair Mastercard are offered by Citibank, N.A., the Wayfair 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 Wayfair Rewards link. new line new line For the Wayfair Mastercard®, you will earn Rewards on all Net Qualifying Purchases made with your Wayfair Mastercard outside of Wayfair’s family of websites and mobile applications (“Sites”) and physical retail stores (“Stores”): 3% at grocery stores; 2% for Qualifying Online Purchases not made at Sites or Stores; 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 Rewards. Rewards 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, 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. Additional terms and exclusions apply. The Wayfair Mastercard is offered by Citibank, N.A., the Wayfair 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 Wayfair Rewards link.
No Annual Fee
No Annual Fee
For new accounts, as of 6/6/2025 the Wayfair Credit Card Purchase APR: variable 34.24%, Min. interest charge $2. Wayfair Mastercard Purchase APR: variable 34.24%; Balance Transfer APR: variable 34.24%; Cash APR: variable 34.24%; 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.
No Interest Financing if Paid in Full up to 24 Months
No Interest Financing if Paid in Full up to 24 Months
bullet 6 month superscript * Financing on orders over $199 new line bullet 12 month superscript * Financing on orders over $799 new line bullet 18 month superscript * Financing on orders over $1499 new line bullet 24 month superscript * Financing on orders over $2999 new line Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Valid through 01/22/2026. new line new line
With credit approval for qualifying purchases made on the Wayfair Credit Card or Wayfair Mastercard® at participating Wayfair sites. As of 6/6/2025 the Wayfair Credit Card Purchase APR: variable 30.49% - 34.24%. Min. interest charge: $2. Wayfair Mastercard Purchase APR: variable 30.49% - 34.24%; Balance Transfer APR: variable 30.49% - 34.24%; Cash APR: variable 30.49% - 34.24%; 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 cash advance, Min. interest charge: $2; Fee for foreign purchases is 3% of the U.S. Dollar amount of each purchase. See card agreement for details including the APR applicable to you. Financing not available in all stores. Promotional financing orders will not earn rewards and are not eligible for the introductory offer. Other financing offers are available on qualifying orders. Visit link here for details.
*Financing up to 60 Months:
bold Major Purchase Plans* new line bold Valid through 01/22/2026 new line bullet 9.99% APR for 36 months on orders over $1,599 new line bullet 9.99% APR for 48 months on orders over $1,799 new line bullet 9.99% APR for 60 months on orders over $1,999 new line new line *With credit approval for qualifying purchases made on the Wayfair Credit Card or Wayfair Mastercard at participating Wayfair sites. Financing not available in all stores. Additional monthly payments may be required if you have other balances or late payments. See card agreement for details. Promotional financing orders are not eligible for the introductory offer. Other financing offers are available on qualifying orders. See link wayfair.com/wayfaircard for details.
Pre-Qualify:
See if you pre-qualify for the Wayfair Credit Card. This is not an application for credit. new line new line 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.
superscript Wayfair Rewards Membership
Free Membership
Subject to credit approval. You will automatically be enrolled in the link Wayfair Rewards Program when your Wayfair Credit Card or Wayfair Mastercard® account is opened. Any membership fees for the program that are due while your card account is open will be waived. You will not receive a refund of any membership fees paid for the program prior to opening a card account. Your enrollment in the program will end and all rewards will be forfeited 90 days after notice is sent of the closure of your card account unless you enroll in the program as a paid member by paying the annual membership fee within 30 days of the expiration of your free cardholder membership.