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What Bank Is Wayfair Credit Card

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What The New Wayfair Credit Cards Offer

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When you apply for one Wayfair credit card, youll be considered for both. Then, if youre approved for both, youll be able to choose which one you want.

The lower-tier Wayfair Credit Card is a classic store credit card. It can only be used on Wayfair retail websites and doesnt earn rewards anywhere else. It offers 5% back in rewards at Wayfair and provides an option of deferred interest financing if paid in full up to 24 months on qualifying orders.

The Wayfair Mastercard, on the other hand. can be used anywhere Mastercard is accepted. Besides earning 5% back in rewards on Wayfair retail website purchases, you can earn:

  • 3% back in rewards at grocery stores
  • 2% back on qualifying online purchases
  • 1% back on all other purchases

Both cards offer $40 off your qualifying first order of $250 or more if you choose to earn rewards. Purchases with deferred interest financing dont qualify for rewards.

Note that if you opt into this financing option and dont pay in full within 24 months, youll be charged interest from the purchase date. The APR on both cards is rather high, as is typical for store credit cards, so we recommend to use this option only when youre certain you can pay your purchase off within the promotional period.

Wayfair offers the following financing options with its new credit cards:

  • 6-month financing on orders over $199
  • 12-month financing on orders over $499
  • 18-month financing on orders over $1499
  • 24-month financing on orders over $2999

Benefits Of Comenity Bank Credit Cards

In most cases, you’ll be better off opening a general rewards credit card than a Comenity co-branded store card. However, Comenity cards can be a good option if you’re trying to build credit. For shoppers loyal to one store, a co-branded or private-label store card issued by Comenity can help earn extra rewards.

You Can Earn 5% Back In Rewards On Wayfair Purchases

Both the Wayfair Credit Card and the Wayfair Mastercard can earn 5% back in rewards when you use it to make a purchase on any Wayfair site. That means if youre investing in a new $3,000 sectional for your living room and charge it on your card, youll get $150 back in Wayfair rewards that you can use toward your next purchase.

While 5% back is generous, its important to be aware that its not the same as 5% cash back. The rewards youll earn are good only toward purchases on the Wayfair family of sites.

If you choose rewards , youll get an introductory offer: Save $40 off your first qualifying order of $250 or more.

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Enroll In Paperless Statements And Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

How To Pay My Wayfair Card

Wayfair Credit Card Review

There are multiple options you can use to make payments on your card. All payments must be received by 8 p.m. EST on your due date to avoid fees!


To access your account, you can log on to your account online.

From here, you can access your monthly bills, enroll to receive paperless statements, and make payments via bank transfer or electronic payment. You can make online payments 24 hours a day, 7 days a week.

Unfortunately, you cannot make a payment with a debit card or from banks located outside of the U.S.


If you dont want to log on to your account , there is also the option to use Comenitys EasyPay tool.

It will ask for a few pieces of identifying information, then provide just enough access to make a payment without giving access to any other information from your account.

Bottom Line: You can only make payments by using EasyPay, so you must create an online account or call customer service if you needed to make other changes to your account.

You can contact the Wayfair cards customer care team to pay by phone at . They are available Monday to Saturday from 8 a.m. to 9 p.m. EST.

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Approval Odds And Credit

Many people apply for a store credit card because theyre hoping to build or rebuild their credit and may not qualify for a more lucrative rewards card. And its true that making small purchases with a store card and paying on time can be a smart way to demonstrate your creditworthiness.

The Wayfair credit card could work for this purpose, as store credit cards are typically easier to qualify for than general rewards cards. But since its rewards can only be used at Wayfairs family of brands, the Wayfair credit card doesnt make for the best long-term option. After all, some credit-building cards backed by a security deposit like the Discover it® Secured Credit Card and 1% on all other purchases) offer more flexible redemption, as well as the chance to graduate to an unsecured card with responsible use.

On the plus side, you can check if you pre-qualify for the Wayfair credit cards with only a soft pull of your credit report, which has no impact your credit score. Applicants are considered for both the open-loop Wayfair Mastercard and store-only Wayfair Credit Card when they apply and, if approved for both, can choose which they want to move forward with.

See related: How to prequalify for a Citi credit card

Wayfair Credit Card Minimum Credit Score

Your approval for a Wayfair credit card is subject to credit score approval. You may need to have a credit score of at least 550 to qualify for the card, which is considered a poor score. If you arent approved for a Wayfair credit card, you should work on increasing your credit score before attempting to apply again.

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There Are Two Versions Of The Wayfair Credit Card

NEW/UPDATED CREDIT CARD: Wayfair Credit Card Review (now issued by Citi)

Theres a basic Wayfair Credit Card that can be used only for purchases on the Wayfair family of retail sites, including its flagship Wayfair site, as well as Joss & Main, AllModern, Birch Lane and Perigold.

Theres also another version, the Wayfair Mastercard, that can be used anywhere Mastercard is accepted. When you use your Wayfair Mastercard youll get:

  • 3% back in rewards at grocery stores.

  • 2% back on qualifying online purchases.

  • 1% back on all other purchases.

When you apply, you’ll be considered for both versions of the card. If you’re approved for both, you can choose which one you want. Both cards have a $0 annual fee.

» MORE: Thinking about a retail card? Consider this first

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Wayfair Credit Card Review: Not The Fairest Deal

Summary: The Wayfair credit card is designed for frequent shoppers at Wayfair and related stores: Joss & Main, Perigold, Birch Lane, and AllModern. The card allows a choice between rewards and a zero-interest financing plan. Be careful: the APR is sky high and the financing plan comes with a serious risk.

The Verdict: The Wayfair credit card might be useful to you if you consistently spend on furniture, lighting, decor, appliances, and other home needs. The APR is extremely high, so you wont want to carry a balance. Be sure you fully understand the risks of the financing plan before you use it. Most people will be better off with a conventional credit card.

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Existing Cardholders Of The Comenity

According to Comenity Bank, existing cardholders of the Wayfair Credit Card Program had through Sept. 10, 2020, to use their account . Luckily, existing cardholders have a full year to redeem the remainder of their rewards.

Contact Comenity Bank Customer Care at 1-844-271-2567 for more information on the program closure.

Capital One Quicksilver Cash Rewards

Wayfair Coupons for First Order: Get 80% off on Furniture ...

If youre looking for a good financing deal, consider the Capital One® Quicksilver® Cash Rewards. It offers a flat 1.5% cash back on all purchases. Thats only half the rewards rate on the Wayfair Credit Card, but the Capital One® Quicksilver® Cash Rewards card works anywhere. Its a good choice if you want to shop at stores other than Wayfair.

The card comes with 15 months of interest-free financing from the time you open your account, regardless of how much you spend. More importantly, you wont have to pay interest retroactively if you dont pay off the balance before the special financing period ends. Unlike the Wayfair Credit Card, this is a true 0% APR period and not a deferred-interest period. As a bonus, you can earn a $150.

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How Can You Pay Your Wayfair Credit Card

There are a number of ways to pay your Wayfair Credit Card, though the most convenient is likely paying online.

Pay your Wayfair Credit Card online

  • Log in to your Wayfair Credit Card account on Comenitys site.
  • Pick from the payment options
  • Choose the amount and frequency of your payment: one time, every 15 days, every month, etc.
  • Be sure to have your account and routing numbers from the paying account available for this process.

    Pay your Wayfair Credit Card by phone

  • Enter the primary cardholders account number.
  • Follow the prompts for entering your payment information again, be sure to have your account and routing numbers available.
  • Note: There is an option to pay over the phone by speaking with a representative, but a $9 charge is added for this convenience. So, its definitely best to avoid paying with the help of an operator if possible.

    Pay your Wayfair Credit Card by mail

    A slower, and likely least convenient, way to pay your Wayfair Credit Card is submitting payment through the mail. You can do so by mailing a check with your bill to:

    Comenity Bank/Wayfair PO Box 65917 San Antonio, Texas 78265

    Be aware, youll need to send your payment a few days before the bills due date to avoid any late fees as payment will only be credited to your account the day its received.

    Complete Your Wayfair Credit Card Payment By Mail

    If you would prefer to pay your bill through the mail, the payment address is the same, no matter if you have the Wayfair credit card or Wayfair Mastercard. Send your payment coupon from your billing statement with a check or money order to:

    Citi Retail Services

    For overnight delivery, send the payment to:

    Overnight Delivery/Express Payments400 White Clay Center DrNewark, DE 19711

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    Wayfair Credit Card Quick Review

    Here are the highlights of the Wayfair Credit Card:

    • Annual Fee: $0
    • 29.24%
    • Sign-Up Bonus: $40 off your first order of $250 or more
    • Key Benefit: Get 3% back in rewards on all purchases at, Joss & Main, AllModern, BirchLane or DwellStudio to be redeemed at any of these stores
    • Financing Offer: Special $0 down financing at any of the listed stores:
    • 6-month financing for purchases of $250 or more
    • 12-month financing for purchases of $500 or more
    • 18-month financing for purchases of $1,500 or more
  • Minimum Payment: If your balance is less than $25, then the full balance. If your balance is $25 or more, the greater of $25 or 3.5% of the new balance.
  • Other Fees: Up to $38 for late payments. Up to $38 for returned payments. $6 for copies of statements, sales/credit drafts, or checks/money orders.
  • The Complete Guide To Comenity Bank Credit Cards

    $3,000 Wayfair Master Credit Card To Build Credit! Soft Pull Prequalification!

    Advertiser Disclosure

    Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site . To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

    Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

    Citi is an advertising partner.

    Comenity Bank is an issuer of co-branded credit cards for retailers like BJ’s, Express, J.Crew, Ulta and Wayfair. The bank’s cards generally have no annual fees, low credit limits and lax approval requirements, making them a popular choice for people with fair to average credit. Read through for our breakdown of Comenity credit cards, or check out the full Comenity Bank store credit cards list at the bottom of the article.

  • Full List of Comenity Store Cards Issued in 2019
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    Choose Between Rewards And Wayfair Financing

    In addition to rewards on Wayfair purchases, the Wayfair credit card offers cardholders special $0 down, 0% APR financing options on larger purchases with the retailer. Heres how the cards financing offers break down, through Jan. 20, 2021:

    • 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 $2,999

    The catch is that the Wayfair credit card uses a risky deferred interest financing model. This means that if you fail to pay off your balance in full by the end of the financing period, youll be charged interest retroactively going all the way back to the date of the original purchase. While deferred interest offers can be useful if you need a bit of time to pay off a large purchase, theyre best avoided unless youre absolutely sure youll be able to pay on time and in full.

    In contrast, the lets you choose between deferred interest and Equal Pay financing, which allows you to spread out payments equally across 12 months and have your monthly payments included as part of the minimum payment requirement on your statement.

    How To Get The Most Out Of This Card

    If youre looking to pay off your purchase over time, the special financing offer could be helpful if you have steady income and a monthly budget that allows for the added payments.

    Whether you choose to get rewards or put purchases on a payment plan, its important to pay off your balance as soon as possible. The cards high interest rate will generate interest payments that could cost more than the discount you receive and can be particularly costly if you dont pay off your balance by the end of your promotional financing.

    Your best bet is to choose the rewards over the special financing in most cases, unless you are highly disciplined and have a plan to pay off your entire purchase on time.

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    Wayfair Credit Card Cashback Match

    The Wayfair credit card doesnt offer a cashback match but does have a unique rewards program. You can earn these rewards through Wayfair and the companys other managed brands, including Joss & Main, AllModern, Birch Lane, and DwellStudio. For every eligible purchase you make using your Wayfair credit card at one of these participating retailers, you earn 3% back in rewards.

    Your rewards can be redeemed through these retail sites once theyre available in your rewards account. If you finance the purchases you make with your Wayfair credit card, your financed purchases arent eligible to earn rewards points.

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