Wayfair Credit Card

You will receive $40 off your qualifying first order if it is at least $250. Cannot be combined with any other discount or financing offers. Additional link exclusions apply for select manufacturers, gift cards and purchases made with a Wayfair Professional profile. Offer only applies to first Wayfair order made with your Wayfair Credit Card or Wayfair Mastercard®. Offer not available for purchases at Perigold or at Wayfair outlet stores. Minimum purchase amount excludes tax, shipping, and other discounts. Subject to credit approval.

You will earn Reward Dollars on all Eligible Purchases. For both the Wayfair Credit Card and Wayfair Mastercard® you will earn 7% in Rewards when you use your card at Wayfair’s family of websites, mobile applications, and physical retail stores. Rewards are not earned on returns, refunds, promotional discount, post-order cost adjustments, purchases at outlet locations, purchases made by accounts enrolled in the Wayfair Professional program; gift cards, services (including home installation and assembly, extended warranties and design services), donations, Porch restaurant, taxes and any shipping or delivery fees, unauthorized or fraudulent charges, charges that violate the terms of your Card Agreement, balance transfers, cash advances or any other transaction treated like a cash advance, lottery tickets, gaming chips and similar transactions, interest, fees, and any portion of a purchase made with Reward Dollars. For purchases where promotional financing is applied, you will earn 5% in Rewards, not 7%, on Eligible Purchases. Reward Dollars have no cash value and are not redeemable for cash. You will forfeit unused Reward Dollars in certain circumstances including if your account is closed or participation in the program is terminated unless prohibited by law. Additional terms and exclusions apply. The Wayfair Credit Card and Wayfair Mastercard are offered by Citibank, N.A., the Wayfair Rewards Program is offered by Wayfair. Wayfair may withdraw the rewards program or change the terms of the program at any time for any reason. Citibank, N.A. is not responsible for products and services offered by other companies. See Wayfair Rewards link. new line new line For the Wayfair Mastercard®, you will earn Rewards on all Net Qualifying Purchases made with your Wayfair Mastercard outside of Wayfair’s family of websites and mobile applications (“Sites”) and physical retail stores (“Stores”): 3% at grocery stores; 2% for Qualifying Online Purchases not made at Sites or Stores; and 1% on all other Net Qualifying Purchases made with your Wayfair Mastercard. Qualifying Online Purchases are those made via a computer network, but not all online transactions will be considered Qualifying Online Purchases. Qualifying Online Purchases do not include the following types of purchases in the following categories: subscription, membership or recurring purchases; utilities, cable/satellite and telephone; insurance; medical and healthcare providers; government services, taxes and tolls; education including schools or other teaching institutions; contractor, professional, financial, legal, personal and business services; repair services; direct marketing; and purchases that manually are keyed by a merchant. You may only earn 1%, not 3%, for grocery or food purchases made at convenience stores, gas stations, warehouse clubs, supercenters, and discount stores, and only 1%, not 2%, for purchases made through mobile/wireless technology depending on how the technology is set up to process the purchase. Merchants must submit charges under the appropriate merchant code or industry code to be eligible as Qualifying Online Purchases and/or Net Qualifying Purchases in the different categories. Neither Wayfair nor Citibank determine whether merchants appropriately identify all transactions made on a credit card, but Wayfair does reserve the right to determine which purchases qualify for Rewards. Rewards are not earned on returns, refunds, promotions, or other credit adjustments, unauthorized or fraudulent charges, charges that violate the terms of your Card Agreement, balance transfers, cash advances or any other transaction treated like a cash advance, lottery tickets, gaming chips and similar transactions, interest, fees, and any portion of a purchase made with Reward Dollars. Reward Dollars have no cash value and are not redeemable for cash. You will forfeit unused Reward Dollars in certain circumstances including if your account is closed or participation in the program is terminated unless prohibited by law. Additional terms and exclusions apply. The Wayfair Mastercard is offered by Citibank, N.A., the Wayfair Rewards Program is offered by Wayfair. Wayfair may withdraw the rewards program or change the terms of the program at any time for any reason. Citibank, N.A. is not responsible for products and services offered by other companies. See Wayfair Rewards link.

As of 11/14/2024 the Wayfair Credit Card Purchase APR: variable 31.49%, Min. interest charge $2. Wayfair Mastercard Purchase APR: variable 31.49%; Balance Transfer APR: variable 31.49%; Cash APR: 29.99%; balance transfer fee is the greater of $10 or 5% of the amount of each transfer, cash advance fee is the greater of $10 or 5% of the amount of each cash advance, Min. interest charge: $2; Fee for foreign purchases is 3% of the U.S. Dollar amount of each purchase.

bullet 6 month* Financing on orders over $199 new line bullet 12 month* Financing on orders over $799 new line bullet 18 month* Financing on orders over $1499 new line bullet 24 month* Financing on orders over $2999 new line Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Valid through 02/28/2025. new line new line *With credit approval for qualifying purchases made on the Wayfair Credit Card or Wayfair Mastercard at participating Wayfair sites. Financing is not available for Wayfair in-store purchases. The following Purchase APR is accurate as of 11/14/2024 and will vary: 31.49%. Minimum interest charge: $2. Offer valid for consumer accounts in good standing. Promotional financing orders are not eligible for the introductory offer. The suggested monthly payment stated is an estimate based on the listed purchase amount divided by the number of months in the promotional period. It excludes sales tax, is rounded to the next highest dollar amount and does not include additional payments that may be required for an existing balance or future transactions. In order to pay your promotional balance by the end of the period you may have to make a payment each month that is higher than your required minimum payment.

bold Major Purchase Plans* new line bold Valid through 02/28/2025 new line bullet 9.99% APR for 36 months on orders over $1,599 new line bullet 9.99% APR for 48 months on orders over $1,799 new line bullet 9.99% APR for 60 months on orders over $1,999 new line new line *With credit approval for qualifying purchases made on the Wayfair Credit Card or Wayfair Mastercard at participating Wayfair sites. Financing not available in all stores. Additional monthly payments may be required if you have other balances or late payments. See card agreement for details. Promotional financing orders are not eligible for the introductory offer. Other financing offers are available on qualifying orders. See link wayfair.com/wayfaircard for details.

See if you pre-qualify for the Wayfair Credit Card. This is not an application for credit. new line new line Wayfair Credit Card & Wayfair Mastercard is issued by Citibank, N.A.. Citi and Arc Design is a registered service mark of Citigroup Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.