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

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. 

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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

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  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

Every Purchase (Points) $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 )
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 24 months
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
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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
Rewards Categories
  • Up to 5x Points on Retail
  • 3x Points on Groceries
  • 1x Point on Every Purchase
  • 5x Points on
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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