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  Wayfair Credit Card

Wayfair Credit Card

in Personal Credit Cards from Comenity

Unaffiliated

Wayfair Credit Card

Unaffiliated

in Personal Credit Cards from Comenity

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Highlights
Highlights
Annual Fee $0
Purchase APR (Variable APR) Up to 29.24%
Balance Transfer APR (Variable APR) N/A
Credit Score Range 550 - 850

Wayfair Credit Card Review

Wayfair Credit Card is a store rewards credit card issued by Comenity. 

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 550.

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.

Pros & Cons of Wayfair Credit Card
Pros Cons
  • Card can be used, and accumulate points, at Wayfair, Joss & Main, AllModern, Birch Lane, and Perigold.
  • Cash back rewards
  • Lower credit scores often approved.
  • 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
  • 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?

    Wayfair Credit Card does not offer an introductory rate on new purchases.
    Wayfair Credit Card Rates & Terms

    What are the Wayfair Credit Card fees?

    No Annual Fee. Wayfair Credit Card does not charge an annual fee.

    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?

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

    • Equifax
    • Experian
    • Transunion

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

    How to apply for Wayfair Credit Card

    • Visit the Comenity website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • 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.
    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...

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    About Wayfair Credit Card

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    View all personal credit cards offered by Comenity

    Availability

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

    Grace Period for Late Payment (Days) 25
    Annual Fee $0
    No Annual Fee  
    Returned Payment Fee Up to $39
    Minimum Interest Charge $2
    Late Fee Amount Up to $39
    Minimum Age 18
    Credit Score Range 550 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Customer Type Personal
    Bonus Rewards Up to $40 OFF on Your First Order
    Every Purchase $0 Down and 6 or 12 Month Financing on Eligible Orders 3% Rewards Back on All Eligible Orders ($200 in Net Eligible Purchases earns 200 points, which earns you $6 Rewards Dollars )
    Rewards Categories
    • Retail
    Signup Bonus $40
    Purchase APR (Variable APR) Up to 29.24%
    Balance Computation daily balance

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