| Category | Rate | Type | Cap |
|---|---|---|---|
|
Wayfair Family of Brands Purchases
Earn 7% back in Reward Dollars on qualifying items at Wayfair's family of websites, mobile applications, and physical retail stores when no promotional financing is applied; excludes returns, refunds, gift cards, services, outlet locations, Wayfair Professional accounts, taxes, shipping fees, and cash advances.
|
7x | Cash Back | No cap |
|
Wayfair Family of Brands Purchases with Promotional Financing
Earn 5% back in Reward Dollars (instead of 7%) on eligible Wayfair purchases when promotional financing is applied to the transaction.
|
5x | Cash Back | No cap |
|
Grocery Stores
Earn 3% back in Reward Dollars at grocery stores on the Wayfair Mastercard® only; grocery or food purchases at convenience stores, gas stations, warehouse clubs, supercenters, and discount stores earn only 1%. Not available on the store-only Wayfair Credit Card.
|
3x | Cash Back | No cap |
|
Online Purchases (Non-Wayfair)
Earn 2% back in Reward Dollars on qualifying online purchases made outside of Wayfair's family of websites and stores on the Wayfair Mastercard® only; excludes subscription/membership/recurring purchases, utilities, cable/satellite/telephone, insurance, medical/healthcare, government services, education, contractor/professional/financial/legal services, and purchases through mobile/wireless technology not set up to process as online. Not available on the store-only Wayfair Credit Card.
|
2x | Cash Back | No cap |
|
All Other Purchases
Earn 1% back in Reward Dollars on all other net qualifying purchases made with the Wayfair Mastercard® everywhere Mastercard is accepted; no annual cap applies.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$40 Welcome Discount on First Order
New cardholders receive $40 off their first qualifying order of $250 or more upon opening a new Wayfair Credit Card account.
|
Credits |
$40 off first order of $250+
Up to $40
|
|
No Annual Fee
Both the Wayfair Credit Card and the Wayfair Mastercard® carry no annual fee.
|
Financial |
$0 annual fee
Up to $0
|
|
Promotional Financing Options
Eligible cardholders can choose promotional financing (deferred interest or equal payment plans) on qualifying Wayfair purchases instead of earning the full 7% Reward Dollars; purchases under promotional financing earn 5% in Reward Dollars; subject to credit approval and not available in all stores.
|
Financial | Subject to credit approval |
|
24/7 Customer Service
Cardholders have access to dedicated 24/7 customer service by phone with separate numbers for the Wayfair Credit Card and Wayfair Mastercard®.
|
Other | Complimentary |
|
Online Account Management
Cardholders can manage their account at wayfair.accountonline.com, including viewing statements, making payments, and tracking Reward Dollar balances.
|
Other | Complimentary |
|
1% Back on All Other Purchases (Wayfair Mastercard® only)
Earn 1% back in Reward Dollars on all other net qualifying purchases made with the Wayfair Mastercard® everywhere Mastercard is accepted.
|
Rewards | 1% back |
|
2% Back on Online Purchases (Wayfair Mastercard® only)
Earn 2% back in Reward Dollars on qualifying online purchases outside of Wayfair's family of sites and stores with the Wayfair Mastercard® only; excludes subscription/recurring purchases, utilities, insurance, healthcare, government, education, and professional services.
|
Rewards | 2% back |
|
3% Back at Grocery Stores (Wayfair Mastercard® only)
Earn 3% back in Reward Dollars at grocery stores with the Wayfair Mastercard® only; purchases at convenience stores, gas stations, warehouse clubs, supercenters, and discount stores earn only 1%.
|
Rewards | 3% back |
|
5% Back at Wayfair with Promotional Financing
Earn 5% back in Reward Dollars (instead of 7%) on eligible Wayfair purchases when promotional financing is applied to the transaction.
|
Rewards | 5% back |
|
7% Back at Wayfair Family of Brands
Earn 7% back in Reward Dollars on qualifying items at Wayfair's family of websites, mobile applications, and physical retail stores when no promotional financing is applied; excludes returns, gift cards, services, outlet purchases, Wayfair Professional, taxes, and shipping fees.
|
Rewards | 7% back |
|
Free Enrollment in Wayfair Rewards Program
All cardholders are automatically enrolled in the Wayfair Rewards loyalty program at no cost, combining credit card Reward Dollars with Wayfair loyalty program benefits.
|
Rewards | Complimentary |
|
$0 Fraud Liability Protection
Cardholders are not responsible for unauthorized purchases made with the card when reported promptly; Citibank provides $0 fraud liability on all unauthorized transactions.
|
Security | Complimentary |
|
Citi Identity Theft Solutions
Cardholders have access to Citi's identity theft resolution services, including assistance with resolving fraudulent account activity and restoring identity.
|
Security | Complimentary |
