
Wayfair Credit Card
in Personal Credit Cards from Comenity
Would you recommend Wayfair Credit Card to your friends?
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.
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 - Visit Site
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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 ) |
Wayfair Credit Card Community Reviews
Would you recommend Wayfair Credit Card to your friends?
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