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WAYFAIR

UP TO 50% OFF | Toast-Worthy Bar Essentials

UP TO 50% OFF | Toast-Worthy Bar Essentials

Earn 5% Rewards at Wayfair

Fast & Free Shipping Over $35*


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SAVE MORE WITH A WAYFAIR CREDIT CARD

Starting with:


$40 OFF YOUR QUALIFYING FIRST ORDER OF $250+1

Take $40 off your qualifying first order of $250 or more. Refer to the Rewards
section of disclosure number one.
Apply Now
Already a cardmember?Manage Your Account


CHOOSE BETWEEN THESE GREAT PERKS:

Wayfair Mastercard


5% BACK IN REWARDS AT WAYFAIR

Bonus: They never expire!1
or
Wayfair Mastercard


NO INTEREST FINANCING IF PAID IN FULL UP TO 24 MONTHS1

on qualifying orders.

Interest will be charged from purchase date if
balance is not paid in full within promotional period.

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.1

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.

Check Now


THE RIGHT CARD FOR YOU IS ONE EASY APPLICATION AWAY!

Wayfair Mastercard

Wayfair Mastercard®

Wayfair Credit Card

Wayfair Credit Card


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.
   
   $40 OFF your qualifying first order of $250+ if you choose Rewards1
   
   $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.
   
   Earn Rewards and more when you shop at Wayfair.Earn Rewards and more when you
   shop at Wayfair.
 * No annual fee. Applicable to both Wayfair Mastercard and Wayfair Credit Card.
   Refer to the Rewards section of disclosure number one.$
   
   No annual fee1
   
   Earn Rewards and more when you shop at Wayfair.Earn Rewards and more when you
   shop at Wayfair.


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.
   
   5% BACK in Rewards at Wayfair1
   
   OR
   
   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.
   
   No interest financing if paid in full up to 24 months on qualifying orders1
   
   Plus, your choice between two perks on each order:Plus, your choice between
   two perks on each order:


EARN WAYFAIR REWARDS ON QUALIFYING PURCHASES1 EVERYWHERE ELSE YOU SHOP.







 * With the Wayfair Mastercard, earn 3% at grocery stores.
   
   3% at grocery stores
   
   With the Wayfair Mastercard, earn 3% at grocery stores.
   
   Earn Wayfair Rewards on qualifying purchases<sup class="WfccSuperscript
   WfccSuperscript--small">1</sup> everywhere else you shop.
 * With the Wayfair Mastercard, earn 2% on online purchases.
   
   2% online
   
   With the Wayfair Mastercard, earn 2% on online purchases.
   
   Earn Wayfair Rewards on qualifying purchases<sup class="WfccSuperscript
   WfccSuperscript--small">1</sup> everywhere else you shop.
 * With the Wayfair Mastercard, earn 1% everywhere else.
   
   1% everywhere else
   
   With the Wayfair Mastercard, earn 1% everywhere else.
   
   Earn Wayfair Rewards on qualifying purchases<sup class="WfccSuperscript
   WfccSuperscript--small">1</sup> everywhere else you shop.


FREQUENTLY ASKED QUESTIONS

 * WHERE CAN I USE MY WAYFAIR CREDIT CARD?
   
   
   The Wayfair Credit Card and Wayfair Mastercard can be used across all Wayfair
   retail sites: wayfair.com, jossandmain.com, allmodern.com, birchlane.com, and
   perigold.com. The Wayfair Mastercard can also be used anywhere Mastercard is
   accepted.
 * DO I HAVE TO CHOOSE WHICH WAYFAIR CREDIT CARD TO APPLY FOR?
   
   
   Nope! The Wayfair credit cards share one easy application. When you apply,
   you will be considered for both the Wayfair Credit Card and the Wayfair
   Mastercard. If you’re approved for both, you will be able to choose the card
   you want.
 * HOW DOES APPLYING IMPACT MY CREDIT SCORE?
   
   
   Submitting a full application will create a “hard inquiry” on the credit
   bureau used, which may impact your credit score at that bureau. If you aren’t
   eligible for a Wayfair credit card, your application may also be considered
   by our Wayfair Financing network of alternative lenders and Lease-to-Own
   partners.
 * IS FINANCING AVAILABLE WITH MY WAYFAIR CREDIT CARD?
   
   
   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 your desired financing plan at checkout. If your
   order qualifies for multiple financing plans, you will be presented with
   eligible options and 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 is not available for Wayfair in-store purchases.
   
   No Interest Financing if paid in full up to 24 months1
   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 01/31/2023.
    * 6 month1 Financing on orders over $199
    * 12 month1 Financing on orders over $499
    * 18 month1 Financing on orders over $1499
    * 24 month1 Financing on orders over $2999
   
   Major Purchase Plans*
   Valid through 01/31/2023.
    * 9.99% APR for 36 months* on orders over $2999
    * 9.99% APR for 48 months* on orders over $3999
    * 9.99% APR for 60 months* on orders over $4999
   
   *With credit approval for qualifying purchases made on the Wayfair Credit
   Card or Wayfair Mastercard at participating Wayfair sites. Financing is not
   available for Wayfair in-store purchases. Additional monthly payments may be
   required if you have other balances or late payments. See card agreement for
   details. Offer valid for consumer accounts in good standing. May not be
   combined with introductory, rewards or other credit promotion offers.
 * I'VE SEEN A FINANCING PLAN ADVERTISED IN THE PAST, BUT CAN'T FIND IT NOW. IS
   IT STILL AVAILABLE?
   
   
   Some promotional financing is offered on a periodic basis. Please always
   check when a promotional plan expires.
 * HOW DO I EARN AND REDEEM REWARDS?
   
   
   When you make a qualifying purchase on your Wayfair Credit Card or Wayfair
   Mastercard at a Wayfair retail site, you'll earn 5% BACK in Reward Dollars
   (note: Promotional financing purchases are not eligible to earn Rewards).
   Additionally, the Wayfair Mastercard earns Rewards on qualifying purchases1
   everywhere else you shop: 3% at grocery stores, 2% online, and 1% everywhere
   else. You can redeem your Rewards up to a maximum of $2500 in Reward Dollars
   per month on any of our retail sites by applying them in Checkout when you
   use your Wayfair Credit Card or Wayfair Mastercard. There’s no minimum
   threshold to redeem Rewards, and they never expire! Additional terms and
   exclusions apply. Click here for the Credit Card Rewards Program Terms. Click
   here to see your balance.
 * IF I CLOSE MY WAYFAIR CREDIT CARD, WHAT HAPPENS TO MY REWARDS?
   
   
   Reward Dollars can only be redeemed when using a Wayfair Credit Card or
   Wayfair Mastercard to shop at Wayfair retail sites. If you close your credit
   account, you will lose access to any Reward Dollars you’ve earned.
 * CAN I USE MY INTRODUCTORY OFFER LATER?
   
   
   Your introductory offer, if applicable, may only be used on your first
   Wayfair Credit Card order or first Wayfair Mastercard order at one of
   Wayfair’s retail sites. Offer not available for purchases at Perigold.
 * HOW WILL I RECEIVE MY WAYFAIR CREDIT CARD?
   
   
   Applying online is fast and easy. If approved, we’ll automatically add your
   new Wayfair Credit Card or Wayfair Mastercard to your saved payment methods
   so you can use it today. Wayfair Mastercard cardmembers will receive their
   physical card and Wayfair Credit Card cardmembers will receive a letter with
   account information about their digital card within 7-10 business days via US
   mail.
 * WHY CAN’T I FIND MY WAYFAIR CREDIT CARD IN CHECKOUT?
   
   
   The Wayfair Credit Card Program, issued by Comenity Bank, has ended. Your
   Account is no longer valid for new transactions. However, rewards that you've
   earned through September 10, 2020 can be redeemed until September 10, 2021.
   For any questions, please contact Comenity Bank Customer Care at
   1-844-271-2567 (TDD/TTY: 1-800- 695-1788). We apologize for any
   inconvenience.
 * HOW DO I PAY MY BILL OR MANAGE MY ACCOUNT?
   
   
   Click here to pay your Citibank, N.A. Wayfair Credit Card or Wayfair
   Mastercard bill online or change your banking information. For more
   assistance or to pay over the phone, please call the Wayfair Credit Services
   team for assistance at 1-800-365-2714, TTY: 1-877-354-0002. Check your Reward
   Dollars balance, manage your saved shipping addresses, and check your order
   status by logging into My Account on any of our retail sites. If you had a
   Wayfair Credit Card issued by Comenity Bank, please click here to pay your
   bill or manage your account.
 * HOW CAN I CONTACT CITIBANK OR WAYFAIR WITH QUESTIONS?
   
   
   You can reach your Wayfair Credit Services team by visiting
   wayfair.accountonline.com 24/7 or by phone at 1-800-365-2714, TTY:
   1-877-354-0002.
   
   They can assist you with:
    * Paying your bill
    * Registering for online bill pay and paperless statements
    * Requesting a replacement for lost/stolen cards
    * Adding authorized users (Mastercard only)
    * Obtaining a copy of your billing statement
    * Answering questions about your account
    * Answering questions about your bill or transactions, including financing
      transactions
    * Updating your account information
    * Requesting a change to your credit limit
    * … and more!
   
   To apply for a Wayfair credit card, you can click “Apply Now“ on this page or
   call 1-866-513-5795. If you have questions about your Rewards balance or
   order status, you can reach Wayfair Customer Service at 1-844-611-5018.

 * WHAT IS A CONTACTLESS CHIP CARD AND HOW DO I USE IT?
   
   
   Chip cards are embedded with security technology that helps protect you from
   fraud when used at chip-enabled terminals, and they’re difficult to
   counterfeit. Contactless cards like the Wayfair Mastercard, are the type of
   chip cards that can be tapped on the terminal, rather than inserted or
   swiped, when used at contactless enabled terminals.
 * AS A WAYFAIR PROFESSIONAL MEMBER, AM I ELIGIBLE TO APPLY FOR A WAYFAIR CREDIT
   CARD?
   
   
   You can apply for a Wayfair credit card by completing the application with
   your personal information (name, home address, personal phone number, etc.).
   Applications submitted with information specific to your business will not be
   approved. Please note that this is a personal credit card.

1Rewards and Financing Details

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. Offer not available for
purchases at Perigold. 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 11/08/2022 the Wayfair Credit Card Purchase APR: variable 30.74%, Min.
interest charge $2. Wayfair Mastercard Purchase APR: variable 30.74%; Balance
Transfer APR: variable 30.74%; 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
01/31/2023.

*With credit approval for qualifying purchases made on the Wayfair Credit Card
or Wayfair Mastercard at participating Wayfair sites. Financing is not available
for Wayfair in-store purchases. The following Purchase APR is accurate as of
11/08/2022 and will vary: 30.74%. Minimum interest charge: $2. Offer valid for
consumer accounts in good standing. Promotional financing 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.

Major Purchase Plans*



Valid through 01/31/2023

 * 9.99% APR for 36 months* on orders over $2,999
 * 9.99% APR for 48 months* on orders over $3,999
 * 9.99% APR for 60 months* on orders over $4,999

*With credit approval for qualifying purchases made on the Wayfair Credit Card
or Wayfair Mastercard at participating Wayfair sites. Financing is not available
for Wayfair in-store purchases. Additional monthly payments may be required if
you have other balances or late payments. See card agreement for details.
Promotional financing orders will not earn Rewards and are not eligible for the
introductory offer.

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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