Last Updated: 07/28/2025
SuperMoney User Recommendation Score -94
Strongly not recommended32 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
29.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
550 - 850
Annual Fee
$0
Number of Reviews
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 24 months.
- Signup bonus. Offers a signup bonus of up to $40.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 poor credit.
Pros & Cons of Wayfair credit card
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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
| Description |
Does Wayfair credit card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $40 .
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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Wayfair Credit Card has a variable purchase APR of 29.24%. Wayfair Credit Card does not offer balance transfers.
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. Wayfair Credit Card does not offer balance transfers.Does Wayfair credit card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 24 months.
What are the fees for Wayfair credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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 customer service number for Wayfair credit card is (185) 579-69632.
What is the login page for Wayfair credit card?
You can access the login page of Wayfair credit card 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 to the following credit bureaus:
- 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 build your credit.
Does Comenity Bank perform a hard credit pull?
Yes, Wayfair credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Wayfair credit card
- Visit the website of Wayfair credit card.
- 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: SuperMoney.com 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
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