'ZDNET Recommends': What exactly does it mean?
ZDNET's recommendations are based on many hours of testing, research, and comparison shopping. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. And we pore over customer reviews to find out what matters to real people who already own and use the products and services we’re assessing.
When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. Neither ZDNET nor the author are compensated for these independent reviews. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers.
ZDNET's editorial team writes on behalf of you, our reader. Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and services. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. If we have made an error or published misleading information, we will correct or clarify the article. If you see inaccuracies in our content, please report the mistake via this form.
Wayfair Credit Card review: Prepare to get your shop on
Since 2002, Wayfair has been a leading retailer for home décor and products. With corporate headquarters in both Boston and Berlin and more than 25 million customers, today Wayfair boasts that it is "one of the world's largest home retailers."
So, it's no surprise that Wayfair has its own credit card, simplifying shopping with easy ordering and quick shipping.
If you love shopping at Wayfair or are simply looking for a new credit card, this is what you need to know about the Wayfair Credit Card.
At a Glance
- The Wayfair Credit Card is issued specifically for Wayfair purchases.
- The Wayfair Credit Card doesn't include the benefits of the Wayfair Mastercard.
- An introductory offer gives you $40 off your first order of $250 or more.
- Choose from rewards or free financing for your purchases.
- There is no annual fee, but you will face a foreign transaction fee.
- 5% back in Rewards at Wayfair
- 5% back in Rewards at Wayfair
The Wayfair Credit Card is a fantastic option if you are a Wayfair fan. When you spend $250, you receive $40 off your first order. Plus, there is no annual fee to gobble up your savings. However, rewards are limited to just your Wayfair purchases. That makes it truly an option for Wayfair fans more than for fans of other retailers.
Pros | Cons |
|
|
Wayfair Credit Card review
Key Features
Issued by Citibank, the Wayfair Credit Card takes a different approach to credit, offering your choice of rewards or interest-free financing. Depending on your situation, it's an extra incentive to use the card. Purchases are limited.
For a limited time, you will receive an introductory offer of $40 off your first order of $250 or more. After that, you have the option of choosing between Wayfair's reward structure or financing for your purchases. Rewards include 5% back on purchases, with credits that never expire. If you have a big purchase coming up and you would rather save money on that, you can choose no-interest financing for up to 24 months for your qualifying order.
If you choose financing, interest will begin to accumulate after the end of the 24-month period under the following structure. The 36-month, 48-month and 60-month major purchase plan finance options listed below are valid through August 14.
Finance option | Order minimum |
6 months | $199 |
12 months | $499 |
18 months | $1,499 |
24 months | $2,999 |
36 months | $999 (0% APR, offer only valid online) |
48 months | $3,999 (9.99% APR) |
60 months | $4,999 (9.99% APR) |
To use a financing plan, simply shop as normal and add your plan to your cart. All eligible plans will be displayed for easy access.
How to apply for the Wayfair Credit Card
It is easy to apply for the Wayfair Credit Card. Before you apply, you can prequalify on the website without affecting your credit score. When you are ready to proceed, you can call customer support at 1-800-365-2714 to apply by phone. You also have the option to apply online via the website.
It is important to note that both the Wayfair Credit Card and the Wayfair Mastercard share the same application, allowing you to apply for both cards simultaneously. Should you receive an approval for both, you can choose the card you prefer.
Where to use your Wayfair Credit Card
The Wayfair Credit Card is available for use at all Wayfair sites, including these online retailers:
- Wayfair.com
- Jossandmain.com
- Allmodern.com
- Birchlane.com
- Perigold.com ($40 off introductory offer not available for purchases at Perigold)
The Wayfair Credit Card is not available for use anywhere else.
Security protocols and benefits
The Wayfair Credit Card comes with minimal security protocols. Your personal information is encrypted online while you are logged in. Should you become inactive for 15 minutes or more, the system will actually log you out to preserve your personal details.
Customer support for the Wayfair Credit Card
The Wayfair credit card is easy to manage with multiple support options. In addition to simple online account management, you can also contact Wayfair by phone or mail.
Phone support
Type of support | Phone number | Hours of operation |
Customer service | 1-800-365-2714 | 24/7 |
Other support
With Wayfair, there is easy online account management, where you can monitor your account and pay your bill.
You also can contact Wayfair by mail.
Mailing address
Wayfair Credit Card PO Box 6772 Sioux Falls, SD 57117 |
Bottom line
The Wayfair Credit Card is a fantastic option if you are a diehard Wayfair customer, thanks to its rewards system. If you have a big purchase coming up, this also could be a fantastic way to save you money on interest. However, because card use is limited to just Wayfair and its branded sites, this card is not likely worth it if you are an occasional Wayfair shopper or prefer other sites and shops.
Is this the right card for you?
Who issues the Wayfair Credit Card?
Citibank, NA issues the Wayfair Credit Card.
What is the APR for the Wayfair Credit Card?
The APR for the Wayfair Credit Card is currently variable 28.49%.
Is the Wayfair Credit Card the same as the Wayfair Mastercard?
No, the Wayfair Credit Card is designed specifically for Wayfair, while the Wayfair Mastercard comes with added benefits and protections.
Are there alternative cards worth considering?
There are many credit cards out there that are great for shoppers. For other options, consider some of the best store cards for shoppers.