$40 off your qualifying first order of $250+**

when you open a new account. Plus earn 7% back** in rewards on qualifying items across the Wayfair Family of Brands

Apply Now

Already a card member? link Manage Your Account

See if you pre-qualify.superscript

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

Check Now

Complete your project today.

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 $250+** when you open a new account.

After your first order choose 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

*Financing up to 60 Months:

*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.
wayfair.com/wayfaircard

Financing options are available across all participating Wayfair sites with the Wayfair Credit Card and Wayfair Mastercard. See below for currently available plans. To apply financing, use your Wayfair Credit Card or Wayfair Mastercard to pay and select the available financing plan at checkout. If your order qualifies for multiple financing plans, you will be presented with the eligible options and you can select one to apply to your order. If you would like different financing plans for each product in your order, please place multiple orders. Financing not available in all stores. new line new line No Interest Financing if paid in full up to 24 months superscript 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 09/15/2026. new line 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 new line bold *Financing up to 60 Months: new line Major Purchase Plans* new line Valid through 09/15/2026 new line 9.99% APR for 36 months* on orders over $1599 new line 9.99% APR for 48 months* on orders over $1799 new line 9.99% APR for 60 months* on orders over $1999 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. new line See link wayfair.com/wayfaircard for details.

You will earn Reward Dollars on all Eligible Purchases. For the Wayfair Family of Brands Credit Cards you will earn 7% in Rewards when you use your card at Wayfair’s Family of Brands 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.

Additionally, for the Wayfair Family of Brands Mastercard products, you will earn Rewards on all Net Qualifying Purchases made with your Wayfair Family of Brands 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 Family of Brands 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.

Click hereClick here

You will earn Reward Dollars on all Eligible Purchases. For the Wayfair Family of Brands Credit Cards you will earn 7% in Rewards when you use your card at Wayfair’s Family of Brands 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. new line new line Additionally, for the Wayfair Family of Brands Mastercard products, you will earn Rewards on all Net Qualifying Purchases made with your Wayfair Family of Brands 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 Family of Brands 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. new line new line You can redeem your Rewards Dollars up to a maximum $2500 per month on any of our retail sites by applying them in cart or checkout when you make a qualifying purchase. There's no minimum threshold to redeem rewards, and while your account is active they never expire! Additional terms and exclusions apply. link Click here for the Wayfair Rewards Program Terms. link Click here to see your balance.

superscript Rewards and Financing Details

Introductory Offer:

exclusions

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 or at Wayfair outlet stores. Minimum purchase amount excludes tax, shipping, and other discounts. Subject to credit approval.

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 terms and conditions

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 terms and conditions

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:

For new accounts, as of 12/16/2025 the Wayfair Credit Card Purchase APR: variable 33.49%, Min. interest charge $2. Wayfair Mastercard Purchase APR: variable 33.49%; Balance Transfer APR: variable 33.49%; Cash APR: variable 33.49%; 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:

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 09/15/2026. 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 12/16/2025 the Wayfair Credit Card Purchase APR: 33.49%. Min. interest charge: $2. Wayfair Mastercard Purchase APR: 33.49%; Balance Transfer APR: 33.49%; Cash APR: 33.49%; 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 here

*Financing up to 60 Months:

Major Purchase Plans*
Valid through 09/15/2026

*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 wayfair.com/wayfaircard

bold Major Purchase Plans* new line bold Valid through 09/15/2026 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:

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.

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.

$40 off your qualifying first order of $250+**$40 off your qualifying first order of $250+**

when you open a new account. Plus earn 7% back** in rewards on qualifying items across the Wayfair Family of Brandswhen you open a new account. Plus earn 7% back** in rewards on qualifying items across the Wayfair Family of Brands

See if you pre-qualify.**See if you pre-qualify.superscript

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

Complete your project today.Complete your project today.

7% back** in rewards7% back superscript in rewards

on qualifying items at Wayfair. Bonus: They never expire!**on qualifying items at Wayfair. Bonus: They never expire! superscript

Up to 60 months** financingUp to 60 months superscript financing

with 5% back** in rewards on qualifying items at Wayfairwith 5% back superscript in rewards on qualifying items at Wayfair

Unlimited rewards and flexible financing - the card made for every style, every home.

Earn Rewards and more when you shop at Wayfair.

After your first order choose between two perks on each order:

Earn Wayfair Rewards everywhere else you shop**.

Frequently Asked Questions

Where can I use my Wayfair credit card?

Do I have to choose which Wayfair credit card to apply for?

How does applying impact my credit score?

Is financing available with my Wayfair credit card?

I've seen a financing plan advertised in the past but can't find it now. Is it still available?

How do I earn and redeem Rewards?

If I close my Wayfair credit card, what happens to my Rewards?

Can I use my introductory offer later?

How will I receive my Wayfair credit card?

Why can't I find my Wayfair Comenity credit card in checkout?

How do I pay my bill or manage my Wayfair credit card account?

How can I contact Citibank or Wayfair with questions?

What is a contactless chip card and how do I use it?

As a Wayfair Professional member, am I eligible to apply for a Wayfair credit card?

What will I earn if I have the Wayfair Credit Card? Can I earn rewards from both programs?

I signed up for a Wayfair Family of Brands credit card after subscribing to the Wayfair Rewards paid membership. Will I get a refund?

How will I know if my Wayfair credit card application was approved?

**Rewards and Financing Detailssuperscript Rewards and Financing Details

Introductory Offer:

Introductory Offer:

Rewards:

Rewards:

No Annual Fee:

No Annual Fee:

No Interest Financing if Paid in Full up to 24 Months:

No Interest Financing if Paid in Full up to 24 Months:

*Financing up to 60 Months:

Pre-Qualify:

2Wayfair Rewards Membershipsuperscript Wayfair Rewards Membership

Free Membership:

Free Membership:

$40 off your qualifying first order of $250+**

when you open a new account. Plus earn 7% back** in rewards on qualifying items across the Wayfair Family of Brands

See if you pre-qualify.superscript

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

Complete your project today.

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

superscript Rewards and Financing Details

superscript Wayfair Rewards Membership