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Wayfair

Save Way More with a Wayfair Credit Card

Starting with:

Take $40 off your qualifying first order of $250 or more. Refer to the Rewards section of disclosure number one.

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On each order, choose between 5% back in rewards at Wayfair that never expire. Or No interest financing if paid in full up to 24 months on qualifying orders. Refer to the Rewards section of disclosure number one.
See if you pre-qualify for the Wayfair Credit Card. Refer to the Rewards section of disclosure number one.

It takes seconds and doesn't affect your credit score.

The right card for you is one easy application away!

Earn Rewards and more when you shop at Wayfair.
$40 off your qualifying first order of $250 or more if you choose Rewards. Applicable to both Wayfair Mastercard and Wayfair Credit Card. Refer to the Rewards section of disclosure number one.
No annual fee. Applicable to both Wayfair Mastercard and Wayfair Credit Card. Refer to the Rewards section of disclosure number one.
Plus, your choice between two perks on each order:
On each order, choose between either 5% back in Rewards at Wayfair. Refer to the Rewards section of disclosure number one. Or choose No interest financing if paid in full up to 24 months on qualifying orders. Refer to the Rewards section of disclosure number one. Applicable to both the Wayfair Mastercard and Wayfair Credit Card.
On each order, choose between either 5% back in Rewards at Wayfair. Refer to the Rewards section of disclosure number one. Or choose No interest financing if paid in full up to 24 months on qualifying orders. Refer to the Rewards section of disclosure number one. Applicable to both the Wayfair Mastercard and Wayfair Credit Card.
Earn Wayfair Rewards on qualifying purchases1 everywhere else you shop.
Earn Wayfair Rewards everywhere else you shop, with the Wayfair Mastercard. Refer to the Rewards section of disclosure number one.With the Wayfair Mastercard, earn 3% at grocery stores, 2% on online purchases, and 1% everywhere else.

Frequently Asked Questions

1Rewards and Financing Details

$40 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. Minimum purchase amount excludes tax, shipping and other discounts. Subject to credit approval.

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. 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 wayfair.com/WAYFAIRCARDTERMS.

No Annual Fee:

As of 09/11/2020 the Wayfair Credit Card Purchase APR: variable 26.99%, Min. interest charge $2. Wayfair Mastercard Purchase APR: variable 26.99%; Balance Transfer APR: variable 26.99%; 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.

No Interest Financing if paid in full up to 24 months*

  • 6 month* Financing on orders over $199
  • 12 month* Financing on orders over $499
  • 18 month* Financing on orders over $1499
  • 24 month* Financing on orders over $2999

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 09/30/21.

*With credit approval for qualifying purchases made on the Wayfair Credit Card or Wayfair Mastercard at Wayfair sites. The following Purchase APR is accurate as of 09/11/2020 and will vary: 26.99%. Minimum interest charge: $2. Offer valid for consumer accounts in good standing. Financed 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.

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.

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