How to apply for the Wayfair credit card?

Wayfair offers a credit card with rewards that don’t expire and no annual fees of any kind. So, check out how the Wayfair card application works!

by Aline Augusto

02/02/2022 | Updated on 03/09/2023

Wayfair credit card application: valuable rewards and no annual fee!

Find out how the application process works! Source: The Mister Finance.
Find out how the application process works! Source: The Mister Finance.

Wayfair offers two versions of a credit card. And both of them are great. On one side, there is the Wayfair credit card with a welcome bonus, no annual fee, and 5% back in rewards at Wayfair or no interest financing if paid in full up to 24 months on qualifying orders.

You can only purchase at Wayfair group of retail sites with this credit card.

On the other side, there is the Wayfair Mastercard. This one offers all the first offers plus Wayfair Rewards on qualifying purchases everywhere you shop.

Find out how the application process works!


Credit Card


2 versions store card

Apply for a Wayfair credit card and get valuable rewards!

You will be redirected to another website

Apply online

See how to apply online to get the Wayfair card. Source: Adobe Stock.
See how to apply online to get the Wayfair card. Source: Adobe Stock.

Access the Wayfair credit card website and click on Get Started on Set Up Your Account.

You can also pre-qualify without impacting your credit score.

Plus, note that you will be considered for both credit cards when you start your application. And if you get approved for them, you can choose which fits your needs better.

If you already have your card on hand, enter the number. If not, click on I don’t have my card on hand.

Then, provide your personal information to receive a verification code and proceed with your application.

Later, you can choose the perks you want. In addition, you can contact Wayfair by phone 24/7 for assistance: 1-800-365-2714.

Apply using the app

It offers only the website version to access and manage your account.

Wayfair Credit Card vs. Costco Anywhere Visa® Card   

An interesting alternative to the Wayfair Credit Card is the Costco Anywhere Visa® Card. Both cards by Citi have no annual fee and offer great rewards for all cardholders.

The Costco Anywhere Visa® Card requires an excellent score, but it has a lower APR. Meanwhile, the Wayfair has a welcome bonus, while the Costco Anywhere Visa® Card doesn’t.

Check the comparison table below to learn the important specs on both cards and choose the best option for your finances.

Wayfair Credit CardCostco Anywhere Visa® Card
Credit ScoreNot disclosedExcellent
Annual Fee$0$0 (with a paid Costco membership)
Regular APR31.49% (variable)19.74% (variable)
Welcome bonus$40 off your qualifying first offer if it’s at least $250 (terms & conditions apply)There’s no current promotion
RewardsUp to 5% back on qualifying Wayfair purchases on both cards.
The Wayfair Mastercard offers 3% back on qualifying grocery store purchases, 2% back on qualifying online purchases, and 1% on all other purchases.
4% cash back on eligible gas and EV charging worldwide. It includes gas and EV charging at Costco. This rate is for the first $7,000 annually. Then, 1% cash back thereafter;
3% cash back on eligible travel purchases worldwide and restaurants;
2% cash back on other purchases at Costco and;
1% cash back on everything else.
Costco Anywhere Visa® Card by Citi

How to get a Costco Anywhere Visa® Card?

Check out the Costco Anywhere Visa® Card by Citi review article and learn how it works to make it one of the best rewards cards available.

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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