Citi
Wayfair Mastercard
Cash BackNo Annual FeeGroceryIntro Offer
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $40 off first order |
| Rewards Rate | 1%-7% back in rewards |
| 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 |
Best for those with
Fair Credit
About this card
Overall Rating
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- High rewards rate
- Cashback on purchases
Things to consider
- High regular APR
- No intro APR period
- High balance transfer fee
- Foreign transaction fees apply
What this card offers
Sign-up bonuses
- $40 off your qualifying first order of $250+6
- You will receive $40 off your qualifying first order if it is at least $250.
Rewards
- Your choice on qualifying items: 7% back2 in rewards at Wayfair OR Flexible financing3 with 5% back2 in rewards at Wayfair
- 3% at grocery stores
- 2% online purchases
- 1% everywhere else
Other features
- Free and automatic enrollment in Wayfair Rewards5, plus no annual fee1
- Cardmembers earn rewards4 on purchases outside of the Wayfair Family of Brands
- Support is available 24 hours a day, 7 days a week.
- Already a Wayfair Cardmember? Manage Your Account Online at wayfair.accountonline.com
- Financing options are available across all participating Wayfair sites3 on qualifying items with the Wayfair Credit Card and Wayfair Mastercard®
Additional Notes
As of December 16, 2025 disclosure applies.
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