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
| The Good | The Bad |
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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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
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
Other Services by Comenity Bank
Other Credit Cards from Comenity Bank
Rating not yet determined
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
Up to 850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
Starting at 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 27.24%
Disclaimer popup with additional information
Balance Transfer APR
Up to 26.99%
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Up to 29.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 26.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 26.99%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -94, or 1.1 on a 5-point rating scale.
-94
-1000+100
No one recommends
Everyone recommends
Wayfair Credit Card Community Reviews
Would you recommend Wayfair Credit Card to your friends?
AT
Ali T.
Jan 20, 2023
May or may not recommend
Wayfair credit cards are the worst. I applied for a 0% interest credit card in 2021 for 12 months. However, since I used this credit card for other purchases than Wayfair products, they broke their rules and charged me 26% interest. When I called them, they said it was only for Wayfair products; you could not use it for other purchases. This is total fraud since their website doesn't mention ...Show More
KS
Kay S.
Jul 27, 2022
May or may not recommend
I signed up because we are building a house and I was ordering a lot of things from Wayfair. There was a promotion for spend $350 get $35 in rewards. The problem is, they do not update rewards. I have spent close to $3000 and have only received $29 in rewards. Nothing has been posted to my rewards since Jun 3rd. I have made numerous ...Show More
DD
Donna D.
Jun 21, 2022
May or may not recommend
I don't recommend this card at all, they have the worst customer service available!
Disputing a purchase from other merchants than Wayfair, you will get lost between customer service agents who don't understand or to have the knowledge to look for your case! you can't have the disputed amount put back into your account immediately! be careful of this card
I have my dispute for almost three weeks now and still ...Show More
DC
Debra C.
Apr 3, 2022
May or may not recommend
Something has changed recently and it's not for the better. I keep having to unlock my password. No my identity has not been stolen. There is a problem with their authentication process. I get logged in and now all of a sudden i have to add a new payment source? And it won't let me. It can't seem to recognize my credit union and ...Show More
Ana Luiza A.
Dec 1, 2021
May or may not recommend
It says that it doesn't have an annual fee. I sign up and made a purchase. In the first statement: surprise, 40$ annual fee!!!!
DB
Debbie B.
Oct 21, 2021
May or may not recommend
I made 2 payments to Comenity Wayfair after they switched over to Citibank. Each person I spoke with told me something different - we are no longer with Comenity, we now have a new Comenity card, it is now a mastercard...in the end I requested a credit card refund for the first payment of $589 and the second payment of $1025. I was told it would take 3-5 ...Show More
U
Anonymous
Sep 3, 2021
May or may not recommend
I am 74, (healthy and active)...I have never, EVER had an experience like I've had with Wayfair/Citibank! What is happening with these two scumbag, narcissistic,criminals is so frakkin' outrageous, and probably illegal! I wish there was a class action, but in lieu of that, filing complaints with BBB, and Attorney General of California, etc. Wish me luck...not giving up! They count on the fact that we will not do anything! ...Show More
TT
Ted T.
Nov 6, 2020
May or may not recommend
Where do I begin, thought I applied for a store credit card where I can only use it for Wayfair an online store. Received a paper card in the mail which was fine because again it's a store card. I then received a credit card from Comenity, believing it to be my Wayfair store card ( Something a little bit better then a piece of paper.) I activate it, now ...Show More
FJ
Frances J.
Aug 25, 2020
May or may not recommend
I got this card about 2 years ago, always pay on time and had a $5,000 credit limit. I spent about $2,000 but paid down to $1,500 and then my limit got dropped to $2,000 by Commenity. I paid it down further to $500 and my card was closed effective September 10th. Awful. I’m paying it off and never again. Do not use!
LM
Lana M.
Aug 20, 2020
May or may not recommend
I would not since we were notified that Commenty bank who back the Wayfair card will end in September. The research I’ve done seems to show that Wayfair doesn’t keep Banks backing them for long.
JH
Jennifer H.
Aug 10, 2020
May or may not recommend
They charged me a returned payment fee for accidentally inverting two numbers in my checking account when making my payment. They didn’t notify me—instead they actually sent me a letter saying my payment was received. It wasn’t until I noticed the payment hadn’t been deducted from my account and I called them that I was I was informed I would be charged for a “returned payment” and my account was ...Show More
U
Anonymous
Aug 5, 2020
May or may not recommend
The Wayfair Credit card is a JOKE. You can't do autopay, which they do ON PURPOSE to increase the chance of you getting a late fee. I thought I had paid my balance, which was a whopping $29, but apparently I had not as I was at a funeral and received a $39 fee. The first representative I spoke to was sympathetic and I told her I did ...Show More
Tabetha J.
Jun 22, 2020
May or may not recommend
BEWARE! I called for the pay off amount and made the final payment over the phone. Months later I started getting relentless and rude calls from their collections department. Just got off the phone with them and they claim the final payoff didn't include some mysterious $42 fee that has now been assessing late fees. They cannot tell me why there were fees assessed after I was told and paid ...Show More
Islalittle ..
May 15, 2020
May or may not recommend
They canceled my card because I wasn’t using it, with no communication before doing so. It affected my credit score negatively by 29 points. When I called to discuss this, I was put on hold for a long time, passed around, and finally hung up on. Awful company to deal with...beware!!!
TT
Tamara T.
May 14, 2020
May or may not recommend
They are the worst !! I received a statement and processed the total amount due on the statement and a few days later my online account stated I had an add’l balanced . I processed that balance. I went online one more time to ensure my account was current so I can close and they added another balance on the account. They never process my payment when I schedule it ...Show More
CH
Celeste H.
Apr 12, 2020
May or may not recommend
During this tough time the world is seeing due to covid 19, many credit card companies are saying their willing to help those in need. But they lie, Wayfair credit card is another greedy corporation. I was a few days late paying my bill and they still charged me a late fee which is almost the same amount as the bill. They were unwilling to even discuss taking the late ...Show More
RS
Rose S.
Mar 25, 2020
May or may not recommend
Community bank sends bills late, racks up late fees,I put a late fee in dispute and they’ve racked on another late fee. Beware!
KR
Keelye R.
Mar 1, 2020
May or may not recommend
They use Comenity Bank which is a scam. Do not fall for the 0% promos because they will misapply payments if you have more than one promo to make you default so they can charge you accrued interest from the beginning.
U
Anonymous
Feb 17, 2020
May or may not recommend
I bought my sofa awhile back was put on an 18 month interest promo plan and was not award that all those interest sas goinh to be added onto the remaining balance if not paid in full. So therefore i was stuck with a $700 accrue interest plus whatever the remaining balance left on my card. Not was what I was expecting. I called customer service and the guy was ...Show More
U
Anonymous
Jan 27, 2020
May or may not recommend
1) It is NOT a 0% financing for 24, 36, 48 whatever months (TRAP & CRAP). Everything is declared in their paperwork but not in Front. You have to start paying 9.99% minimum from day one you purchase.
2) There is no AUTO PAYMENT option and you have to go through BILL PAY from your bank. (Looks like they want people to pay late penalties or maybe they won’t people out ...Show More
Showing 20 of 32 reviews
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