Reviews

Wayfair Credit Card review

Unsure about whether or not the new Wayfair credit card is for you? Then read on! This review will explain how this card works and how you can enjoy its multiple benefits!

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Wayfair Credit Card: No annual fee and multiple benefits

Wayfair Credit Card
Read this Wayfair Credit Card review and learn more. Source: The Mad Capitalist

Wayfair is an American e-commerce company that offers shoppers a wide variety of home goods. In this Wayfair Credit Card review, you’ll learn a great way to buy furniture and other items from them.

Wayfair Logo

Wayfair Credit Card application: how does it work?

Learn how to apply for the Wayfair credit card, and enjoy its multiple perks. No annual fee, cash back rewards! Learn here!

This credit card offers two versions, rewards on purchases, special financing, and more. In this blog post, we’ll take a closer look at what makes the Wayfair Credit Card stand out from the competition. Stay with us!

  • Credit Score: Fair, good and excellent;
  • Annual Fee: $0 annual fee;
  • Regular APR: 31.24% variable APR for purchases;
  • Welcome bonus: No interest if you pay in full for up to 24 months on eligible orders or 5% cash back in rewards at Wayfair ($40 starting bonus after spending $250);
  • Rewards: 3% back in rewards at grocery stores, 2% back on qualifying online purchases, and 1% back on all other purchases;
  • Terms apply.

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Wayfair Credit Card: how does it work?

The Wayfair Credit Card is available for customers who want to buy items from the store in-person or online.

You can earn 5% cash back on your purchases or pay no-interest financing if you pay your credit card in full for up to 24 months.

Wayfair has two credit cards

Customers can sign up for one of their two cards at Wayfair without paying an annual fee:

First, the Wayfair Credit Card. It is a basic version of the card that is limited to Wayfair or all stores owned by the company, including AllModern, Joss & Main, Birch Lane, Perigold, and DwellStudio.

Secondly, the Wayfair Mastercard®. With this card, customers can buy at Wayfair and anywhere Mastercard is accepted.

Both cards offer reward points when you make purchases at Wayfair stores.

The regular card offers 5% back in rewards, while the promotional financing card offers 5% at Wayfair, 3% in rewards for grocery shopping, 2% back on eligible online purchases, and 1% in all others.

The cash back is attractive, but the rewards are available to Wayfair stores only.

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Welcome bonus

close-up-person-doing-online-shopping
Find out what are the main benefits of the Wayfair Credit Card. Source: FreePik

One of the most appealing aspects of the Wayfair Credit Card is its sign-up bonus. If you’re approved for either version of this credit card, you’ll automatically get $40 off your first order of $250 or more.

It means that you can save money right away on your first purchase when using this card.

Financing options

If you are thinking about renovating your home or buying furniture and other decoration items, The Wayfair Credit Card also offers special financing options for:

  • 6-month financing on orders over $199;
  • 12-month financing on orders over $499;
  • 18-month financing on orders over $1,499;
  • 24-month financing on orders over $2,99.

Moreover, if you’re looking to make a major purchase of $2,999 or more, additional financing plans can help turn it into an affordable reality.

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Wayfair Credit Card: should you get one?

Wayfair Credit Card is an excellent choice for anyone looking for home improvement while enjoying multiple rewards. But it is important to learn about this product’s disadvantages too!

Therefore, let’s compare the pros and cons of this card to help you make a more informed decision!

Pros

  • Earn rewards at Wayfair;
  • Welcome bonus;
  • No annual fee;
  • Straightforward online application.

Cons

  • Rewards at limited to Wayfair with the basic card option.

Credit score required

Applicants who want to qualify for the Mayfair Credit Card must have fair, good, or excellent scores to qualify for it!

Wayfair Credit Card application: how to do it?

Wayfair offers a simple and fast application process! It can be completed within minutes.

So, do you want to start shopping with your Wayfair Credit Card? Learn how to apply in our post as follows.

Wayfair Logo

Wayfair Credit Card application: how does it work?

Learn how to apply for the Wayfair credit card, and enjoy its multiple perks. No annual fee, cash back rewards! Learn here!

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