Wayfair Credit Card
Wayfair Credit Card Unaffiliated

Wayfair Credit Card

SuperMoney Net Recommendation Score -94  


This product is strongly not recommended by SuperMoney users with a score of -94, equating to 1.1 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

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Community Rating Strongly not recommended
Purchase APR  (Variable APR) 29.24%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 550 - 850
Annual Fee $0
Number of Reviews 32

Wayfair Credit Card Review

This is a store rewards card issued by Comenity Bank. If you're wondering whether Wayfair credit card is the right card for you, read on.

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 24 months.
  • Signup bonus. Offers a signup bonus of up to $40 if you spend $250.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.24%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Wayfair credit card

The Good The Bad
  • Card can be used, and accumulate points, at Wayfair, Joss & Main, AllModern, Birch Lane, and Perigold.
  • Cash back rewards
  • Lower credit scores often approved.
  • 0% APR on new purchases during the first 24 months. There is then a variable purchase APR of 29.24%.
  • No annual fee.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Wayfair Credit Card reports to multiple credit bureaus.
  • When making use of special financing: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period
  • High interest rate
  • Higher than average purchase APRs.
  • You don't earn rewards on every purchase.

Wayfair credit card FAQ

Does Wayfair credit card have a cash back or rewards program?

Wayfair credit card is a rewards card. This card features rewards for purchases in the following categories:

  • Retail
Wayfair credit card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Starting at $40
Signup Bonus Spend Requirement $250

Does Wayfair credit card have a signup bonus?

Yes, it offers card users a signup bonus worth up to $40 after spending $250.

Does Wayfair credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for Wayfair credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Wayfair Credit Card has a variable purchase APR of 29.24%.

Does Wayfair credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Wayfair credit card have an intro APR offer on new purchases?

Wayfair Credit Card Purchase Intro Offer
Introductory Rate 0%
Purchase Intro APR Period 24 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 24 months.

What are the fees for Wayfair credit card?

The following fees apply:

Wayfair credit card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee %
Returned Payment Fee Starting at $ up to $40
Late Payment Fee Starting at up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

What is the customer service phone number for Wayfair credit card?

The Wayfair credit card customer service number is (185) 579-69632.

What is the support contact email for Wayfair credit card?

The support contact email for Wayfair credit card is

What is the Wayfair credit card login page?

You can access the Wayfair credit card login page here.

How do people rate the customer service and user experience of Wayfair credit card?

Overall, Wayfair credit card is strongly not recommended based on community reviews that rate customer service and user experience.

Does Wayfair Credit Card report your account activity to credit bureaus?

Yes, Wayfair Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Wayfair credit card

  • Visit the Wayfair credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Wayfair credit card

Wayfair believes everyone should live in a home they love. Through technology and innovation, Wayfair makes it possible for shoppers to quickly and easily find exactly what they want from a selection of more than 22 million items across home furnishings, décor, home improvement, housewares and more. Committed to delighting its customers every step of the way, Wayfair is reinventing the way people shop for their homes - from product discovery to final delivery.

Financing options are available across all Wayfair retail sites with the Wayfair Credit Card and Wayfair Mastercard. 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.

Message From Our Editor

What we love about Wayfair Credit Card

This card provides generous rewards on Wayfair purchases and 0% interest financing options of up to 24 months. If you are a frequent shopper at Wayfair, you can save a lot of money (particularly if you frequently buy on credit). We love that it doesn't charge an annual fee and is available to consumers with less fair or even poor credit.

What could Wayfair Credit Card do better?

This card can only be used at Wayfair websites, which will limit your options if this is your only credit card. However, eligible customers can opt for the Wayfair Mastercard, which can be used anywhere Mastercard is accepted and provides rewards in additional categories. The other downsides of this card are the high APR and that the intro 0% interest offer only applies if you pay in full before the intro period ends. This is called the deferred interest financing model. It is common among store cards but can be a trap for people who don't understand how it works.

Wayfair backstory

Wayfair Inc. is an e-commerce company that sells furniture and home-goods. The company was founded in 2002 and offers 14 million items from more than 11,000 global suppliers. Previously, the Wayfair credit card was issued by Comenity, but it is now provided by Citigroup.

The Verdict

If you like shopping at Wayfair and you are looking to buy on credit, this is a credit card worth considering. The 0% interest rate for 24 months is hard to beat. Just make sure you can pay it in full before the intro period ends, or it could get expensive. If you're not sure you can repay in time, consider a balance transfer card with a regular 0% APR intro period that does not charge deferred interest. 


Hours of Operation

  • Sunday 9:00am - 5:00pm
  • Monday 7:00am - 11:00pm
  • Tuesday 7:00am - 11:00pm
  • Wednesday 7:00am - 11:00pm
  • Thursday 7:00am - 11:00pm
  • Friday 7:00am - 11:00pm
  • Saturday 9:00am - 5:00pm

Other Services by Comenity Bank

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Other Credit Cards by Comenity Bank



  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 24 months
No Annual Fee
Annual Fee $0
Minimum Interest Charge $2
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 550 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • Retail
Signup Bonus Starting at $40
APR Type Variable APR
Balance Computation daily balance (including current transactions)
Purchase APR (Variable APR) 29.24%
(Verified 08/04/2023)
Card Type
  • Rewards
  • Store Card
Card Network Other

Wayfair Credit Card Community Reviews


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This product is strongly not recommended by SuperMoney users with a score of -94, equating to 1.1 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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