Review
Citi Wayfair Mastercard® Review: Great Rewards for Wayfair Loyalists
If you're a Wayfair fanatic, the Citi Wayfair Mastercard® could be your perfect match! Earn impressive rewards on home decor, but watch out for the high APR.
| Annual Fee | $0.00 |
| Regular APR | Wayfair Mastercard® Purchase APR: variable 33.49% Balance Transfer APR: variable 33.49% Cash APR: variable 33.49% |
| Rewards Rate | 1%-7% back in rewards |
| Sign-up Bonus | $40 off first order |
| 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 |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...