Citi
Wayfair Mastercard®
Key Features
| Annual Fee | $0.00 |
| Regular APR | Wayfair Mastercard® Purchase APR: variable 33.49% Balance Transfer APR: variable 33.49% Cash APR: variable 33.49% |
| Other Fees | 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 |
| Network | Mastercard |
About this card
The Wayfair Mastercard presents a mixed bag of benefits and drawbacks, resulting in a low overall rating. Its primary strength lies in the potentially high rewards rate for Wayfair purchases (5-7%), which can be appealing to frequent shoppers of that brand. However, this niche benefit is overshadowed by significant weaknesses. The extremely high APR of 33.49% is a major deterrent, making it a risky choice for anyone who carries a balance, as interest charges will quickly negate any rewards earned. The card's fee structure is also unfavorable, with high balance transfer and cash advance fees, as well as a foreign transaction fee. While the absence of an annual fee is a positive, it's not enough to offset the other financial risks. Furthermore, the rewards program lacks flexibility, as rewards are primarily intended for Wayfair purchases. The card's reputation is also mixed, with concerns raised about Wayfair's customer service impacting the cardholder experience. Overall, the Wayfair Mastercard is only suitable for a very specific type of consumer: financially disciplined, frequent Wayfair shoppers who always pay their balance in full. For the average consumer, the high APR and limited rewards make it a poor choice.
Pros & Cons
What's great
- No annual fee
- Sign-up bonus
- Cashback on purchases
Things to consider
- High regular APR
- Limited rewards categories
- Foreign transaction fees apply
- High balance transfer fee
What this card offers
Sign-up bonuses
- You will receive $40 off your qualifying first order if it is at least $250.
Rewards
- 7% back2 in rewards on qualifying items or flexible financing3 with 5% back2 in rewards on qualifying items
- 3% back4in rewards at grocery stores
- 2% back4in rewards on qualifying online purchases
- 1% back4in rewards everywhere else
Other features
- Free and automatic enrollment in Wayfair Rewards5, plus no annual fee1
- On qualifying items cardmembers can choose rewards2 or flexible financing3 with rewards2 on purchases at the Wayfair Family of Brands. Plus, free enrollment in Wayfair Rewards5.
- Cardmembers earn rewards4 on purchases outside of the Wayfair Family of Brands
- Support is available 24 hours a day, 7 days a week.
- Wayfair Mastercard: 1-833-773-0031
- For TTY: We accept 711 or other Relay Service
- Financing options are available across all participating Wayfair sites3 on qualifying items with the Wayfair Credit Card and Wayfair Mastercard®. See wayfair.com/wayfaircard for financing details.
Additional Notes
As of December 16, 2025 the Wayfair Mastercard® rates and fees apply as stated on the page. Wayfair Credit Card & Wayfair Mastercard® is issued by Citibank, N.A.