Since 2002, Wayfair has been a leading home décor and homewares retailer. With headquarters in Boston and Berlin and more than 25 million customers, Wayfair today boasts of being “one of the largest home retailers in the world”.

It’s no surprise, then, that Wayfair has its own credit card, which simplifies shopping with easy ordering and fast shipping.

If you love shopping at Wayfair or are just looking for a new credit card, here’s what you need to know about the Wayfair Credit Card.

In short

• The Wayfair credit card is issued specifically for Wayfair purchases.
• The Wayfair Credit Card does not include the benefits of the Wayfair Mastercard.
• An introductory offer gives you $40 off your first order of $250 or more.
• Choose from rewards or free financing for your purchases.
• There is no annual fee, but you will have to pay a foreign transaction fee.

Main characteristics

Issued by Citibank, the Wayfair credit card takes a different approach to credit, offering your choice of rewards or interest-free financing. Depending on your situation, this is an added incentive to use the card. Purchases are limited.

For a limited time, you’ll receive an introductory offer of $40 on your first order of $250 or more. After that, you have the option of choosing between Wayfair’s reward structure or financing your purchases. Rewards include 5% back on purchases, with credits that never expire. If you have a big purchase coming up and prefer to save money, you can choose interest-free financing for up to 24 months for your qualifying order.

If you choose financing, interest will begin to accrue after the end of the 24 month period according to the following structure. The 36-month, 48-month, and 60-month Major Purchase Plan financing options listed below are valid through August 14.

To use a financing plan, simply purchase as usual and add your plan to your cart. All eligible plans will be displayed for easy access.

How to Apply for the Wayfair Credit Card

Applying for the Wayfair Credit Card is easy. Before applying, you can prequalify on the website without affecting your credit score. When you’re ready to proceed, you can call customer service at 1-800-365-2714 to apply over the phone. You can also apply online via the website.

It is important to note that the Wayfair Credit Card and the Wayfair Mastercard share the same application, which allows you to apply for both cards simultaneously. If you receive approval for both, you can choose which card you prefer.

Where to use your Wayfair credit card

The Wayfair Credit Card can be used at all Wayfair locations, including these online retailers:

• Wayfair.com
• Jossandmain.com
• Allmodern.com
• Birchlane.com
• Perigold.com ($40 introductory offer not available for purchases at Perigold)

The Wayfair credit card is not available anywhere else.

Security Protocols and Benefits

The Wayfair credit card comes with minimal security protocols. Your personal information is encrypted online while you are logged in. If you become inactive for 15 minutes or more, the system will log you out to retain your personal information.

Wayfair Credit Card Customer Support

The Wayfair Credit Card is easy to manage with multiple carrier options. In addition to simple online account management, you can also contact Wayfair by phone or mail.

Helpline

Other support

With Wayfair, there’s easy online account management, where you can monitor your account and pay your bill.

You can also contact Wayfair by mail.

Address

At the end of the line

The Wayfair credit card is a fantastic option if you’re a die-hard Wayfair customer, thanks to its rewards system. If you have a big purchase coming up, this could also be a fantastic way to save you money on interest. However, because use of the card is limited to Wayfair and its branded sites, this card probably isn’t worth it if you’re an occasional Wayfair shopper or prefer other sites and stores.

Is this the right card for you?

Are there any alternative maps worth considering?

There are many credit cards that are ideal for buyers. For other options, consider some of the best store cards for shoppers.