Wayfair Credit Card: Is It Worth It? Benefits, Application Process, and Payment Options

The Wayfair Credit Card: A Complete Guide to Rewards and Financing

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As one of the world’s largest online destinations for home goods, Wayfair offers a staggering selection of over 30 million products. For the avid home decorator or anyone undertaking a major furnishing project, the costs can add up quickly. This is where the Wayfair credit card program comes in, offering a compelling mix of rewards and flexible payment options designed to make creating your dream home more affordable.

Whether you’re weighing the benefits or just curious about the details, this comprehensive guide breaks down everything you need to know about the Wayfair credit card, from its rewards structure and financing plans to application requirements and account management.

Table of Contents

What Are the Wayfair Credit Cards?

Wayfair offers two distinct credit cards issued by Citibank, N.A., and you are considered for both with a single application. Based on your credit eligibility, you may be approved for one or both, and if approved for both, you can choose which one you prefer. This answers the common question of what bank is wayfair credit card affiliated with.

  1. Wayfair Credit Card: This is a closed-loop or wayfair store card, which means it can only be used for purchases at Wayfair and its family of brands, including AllModern, Birch Lane, Joss & Main, and Perigold.
  2. Wayfair Mastercard®: This is an open-loop card that can be used anywhere Mastercard is accepted, offering rewards on purchases both within and outside the Wayfair brand family.

Both cards provide access to the same core benefits when shopping at Wayfair, including special financing and rewards.

Wayfair Credit Card Benefits and Rewards

The primary draw of the Wayfair credit card program is its robust rewards and benefits structure, designed to provide significant value to frequent shoppers. When you open an account, you are automatically enrolled in the Wayfair Rewards program for free, waiving the usual $29 annual membership fee.

Here are the main wayfair credit card benefits:

  • Choice of Rewards or Financing: For every purchase at Wayfair, cardholders can choose between two powerful options:
    • Earn 7% back in Reward Dollars on qualifying purchases.
    • Opt for a special financing plan and still earn 5% back in Reward Dollars.
  • Introductory Offer: New cardholders can receive $40 off their first qualifying order of $100 or more (offer subject to change and has expiration dates).
  • Wayfair Rewards Program Membership: Cardholders get free access to the top tier of the Wayfair Rewards program, which includes:
  • No Annual Fee: A key benefit is that does wayfair credit card have annual fee is no; there is no annual fee for either the Wayfair Credit Card or the Wayfair Mastercard.

The wayfair credit card rewards are issued as “Reward Dollars,” which are automatically added to your account within 48 hours of an item’s shipment. These Reward Dollars can be applied as a discount on future purchases across Wayfair’s family of brands and do not expire as long as your credit card account remains open and active.

Wayfair Mastercard vs. Wayfair Store Card: What’s the Difference?

The biggest distinction between the two cards lies in where you can use them and how you earn rewards on outside purchases.

The answer to where can wayfair credit card be used depends on which card you have. The Wayfair Credit Card (the store card) is limited to Wayfair and its sister sites: AllModern, Birch Lane, Joss & Main, and Perigold.

In contrast, the Wayfair Mastercard offers much greater flexibility. Wondering, can i use my wayfair credit card anywhere? If you have the Mastercard version, the answer is yes—anywhere Mastercard is accepted. It also features a tiered rewards structure for purchases made outside of Wayfair:

  • 3% back in Reward Dollars at grocery stores.
  • 2% back in Reward Dollars on qualifying online purchases.
  • 1% back in Reward Dollars on all other purchases.

This makes the Wayfair Mastercard a more versatile option for earning rewards on everyday spending, all of which accumulate in your Wayfair account to be used on future home goods purchases.

Understanding Wayfair Special Financing Options

For those planning large purchases, like a full room redesign or new appliances, the wayfair credit card special financing options are a major advantage. Instead of earning 7% back in rewards, you can choose a financing plan to spread out the cost of your purchase over time while still earning 5% back in rewards.

Wayfair offers two main types of financing plans:

  1. No Interest if Paid in Full: This wayfair credit card no interest plan is available for terms up to 24 months. Interest is deferred during the promotional period. If you pay the entire balance off before the period ends, you pay no interest. However, if any balance remains, interest will be charged to your account from the original purchase date.
    • 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
  2. Major Purchase Plans: For even larger orders, you can secure a fixed low APR for an extended period.
    • 9.99% APR for 36 months on orders over $1599
    • 9.99% APR for 48 months on orders over $1799
    • 9.99% APR for 60 months on orders over $1999

These wayfair financing plans provide valuable flexibility, allowing you to manage your budget for significant home investments without forgoing the ability to earn rewards.

Application and Approval: How to Get a Wayfair Card

You can apply for wayfair credit card online through a straightforward process. The wayfair credit card application considers you for both the store card and the Mastercard simultaneously.

Before you apply, you can check to see if you are eligible with the wayfair credit card pre approval tool. This process does not impact your credit score and can give you an idea of your likelihood of approval.

When you submit a full application, the bank will perform a hard inquiry on your credit report, which may temporarily affect your credit score. Many potential applicants ask, what credit score do you need for wayfair credit card? While Wayfair and Citibank do not publish a minimum score, having a good to excellent credit score (typically 670 or higher) will give you the best chance for wayfair credit card approval. The wayfair credit card requirements and wayfair credit card qualifications are similar to other retail credit cards, focusing on your credit history and ability to pay.

Ultimately, is it hard to get a wayfair credit card depends on your individual credit profile. If approved, you will be notified instantly in most cases, and the card will be automatically added to your Wayfair account for immediate use.

How to Manage and Pay Your Wayfair Credit Card

Once your account is open, managing it is simple. You can access the wayfair credit card login portal through Citibank’s website at wayfair.accountonline.com. From there, you can:

  • View your statements and transaction history.
  • Update your personal information.
  • Set up paperless statements.
  • Make a wayfair credit card payment.

There are several ways to pay my wayfair credit card. The easiest is to pay wayfair credit card online through the account portal. You can also pay over the phone by calling the wayfair credit card customer service team.

If you have questions about your account, need to report a lost card, or want to request a change to your wayfair credit card limit, the wayfair credit card phone number for Citibank’s Wayfair Credit Services team is 1-800-365-2714.

Is the Wayfair Credit Card Worth It?

Deciding is wayfair credit card worth it comes down to your shopping habits. A look at wayfair credit card reviews shows that it is highly valued by frequent Wayfair customers who can take full advantage of the rewards and financing.

Pros:

  • High Rewards Rate: 7% back in rewards on Wayfair purchases is exceptional for a retail card.
  • Flexible Financing: The ability to finance large purchases over time is a significant perk.
  • No Annual Fee: You get access to the Wayfair Rewards program benefits without the yearly cost.
  • Generous Sign-Up Bonus: The introductory offer provides immediate value.

Cons:

  • High APR: The standard wayfair credit card interest rate is high (variable 34.24% as of June 2025). It’s crucial to pay off your balance in full each month unless you are using a promotional financing plan.
  • Limited Reward Redemption: Reward Dollars can only be used for purchases at Wayfair and its family of brands.
  • Store Card Limitations: The standard Wayfair Credit Card can’t be used for other purchases.

For loyal Wayfair shoppers, the benefits can easily outweigh the drawbacks, making it a powerful tool for furnishing and decorating a home.

Frequently Asked Questions

What happened to the Wayfair credit card from Comenity Bank?
The wayfair credit card comenity program has ended. The current Wayfair credit cards are issued by Citibank, N.A. If you have an old Comenity account, you must contact Comenity Bank for any questions related to it.

How do I pay my Wayfair credit card?
You can how to pay wayfair credit card online through the Citibank account portal, or by calling the customer service number at 1-800-365-2714.

Can I get a wayfair business credit card?
The Wayfair credit card is a consumer card and is not available for Wayfair Professional business accounts. If you have a Wayfair Professional account and want a credit card for personal use, you must create a separate consumer account to apply. There is no dedicated wayfair business credit card at this time.

Where can I use my Wayfair gift card?
Wayfair gift cards can be used across all of Wayfair’s U.S. stores, including Wayfair, AllModern, Birch Lane, Joss & Main, and Perigold. They can be used to purchase merchandise and services but cannot be used to purchase other gift cards.

Do Reward Dollars expire?
No, Reward Dollars do not expire as long as you maintain an active Wayfair Rewards membership, which is free for cardholders whose accounts are in good standing. If you close your card account, you will have 90 days to use your rewards before they are forfeited, unless you enroll in the paid membership program.