THE CARDTUNED DATABASE
Wayfair Credit Cards
Issuer: Citi · Network: Varies
Rewards on qualifying Wayfair-family purchases; exact rates and financing options vary by card version and offer
- Annual fee
- $0
- Foreign transaction fee
- Varies: 3% for Wayfair Mastercard; Not Applicable for Wayfair store card
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- Variable purchase APR; exact rate is disclosed in the application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$40 off a qualifying first order of $100 or more after opening a new Wayfair Credit Card.
- Spending requirement
- $100 minimum qualifying first order
- Time window
- First qualifying order after account opening
Offer last checked: 2026-09-07
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 7% | back in rewards on qualifying purchases across the Wayfair Family of Brands |
| Eligible purchases | 5% | Flexible-financing purchases earn 5% back in rewards on qualifying items |
| Groceries | 3% | Wayfair Mastercard earns 3% back at grocery stores, 2% on qualifying online purchases and 1% everywhere else |
Additional benefits
• Flexible-financing purchases earn 5% back in rewards on qualifying items
• Wayfair Mastercard earns 3% back at grocery stores, 2% on qualifying online purchases and 1% everywhere else
• Rewards can be used across Wayfair, Joss & Main, AllModern, Birch Lane and Perigold
• Free enrollment in Wayfair Rewards while the card account remains open
Restrictions to know
The store card is limited to the Wayfair Family of Brands; only the Mastercard is accepted elsewhere and earns outside-category rewards. Financing purchases earn 5%, not 7%. Reward Dollars have no cash value and may be forfeited if the account or program participation ends. Returns, credits and excluded items do not earn rewards. Outlet-store purchases are excluded.
Who can apply
Subject to Citi approval; the issued Wayfair network or store-card version depends on creditworthiness and current application rules.
Credit profile: Not Public / issuer underwriting applies