Wayfair Credit Card

Wayfair Credit Card

in Personal Credit Cards from Comenity


Wayfair Credit Card


in Personal Credit Cards from Comenity

SuperMoney Net Recommendation Score -92%



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

1 user recommends
0 users are unsure
24 users don't recommend
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Community Rating Strongly not recommended
Purchase APR  (Variable APR) Up to 29.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 550 - 850
Annual Fee $0
Number of Reviews 25

Wayfair Credit Card Review

Wayfair Credit Card is a store rewards credit card issued by Comenity. If you're wondering whether Wayfair Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Signup bonus. Offers a signup bonus of $40 if you spend $250.
  • 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 qualify.
Wayfair Credit Card Pros & Cons
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.
  • No annual fee.
  • Considers applicants with fair or poor 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
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Wayfair Credit Card FAQ

Is there a Wayfair Credit Card cash back or rewards program?

Wayfair Credit Card offers a rewards program to its customers. 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 ($) }$40
Signup Bonus Spend Requirement $250

Does Wayfair Credit Card have a signup bonus?

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

Does Wayfair Credit Card offer an annual loyalty bonus?

Wayfair Credit Card doesn't offer a cash loyalty bonus.

What are the relevant APRs for Wayfair Credit Card?

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

Does Wayfair Credit Card have an introductory APR offer on balance transfers?

No, Wayfair Credit Card does not come with an introductory APR offer for balance transfers.

Does Wayfair Credit Card have an introductory APR offer on new purchases?

Wayfair Credit Card does not offer an introductory rate on new purchases.
Wayfair Credit Card Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Wayfair Credit Card?

The following fees apply to Wayfair Credit Card:

Wayfair Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $39
Late Payment Fee up to $39

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.


  • Headquarters
  •   12921 South Vista Station Boulevard
    Salt Lake County
    Draper, UT 84020
  •   Visit Site

About Wayfair Credit Card

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View all personal credit cards offered by Comenity


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Interest Charge $2
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 550 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Bonus Rewards Up to $40 OFF on Your First Order
Rewards Categories Retail
Signup Bonus Starting at $40
Balance Computation daily balance
Purchase APR (Variable APR) Up to 29.24%
Card Type
  • Rewards
  • Store Card
Card Network Other

Wayfair Credit Card Community Reviews


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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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