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Wayfair Credit Card full review: Up to 3% rewards option!

If you need a store card to help you get a $25 welcome bonus on your first order with Wayfair, read our Wayfair Credit Card review to learn more about this card!

Wayfair Credit Card: Choose your benefits!

The Wayfair Credit card has an excellent rewards rate. Source: The Mister Finance.
The Wayfair Credit card has an excellent rewards rate. Source: The Mister Finance.

Are you considering the Wayfair Credit Card for your shopping needs? We completely understand why. Wayfair offers huge rewards and discounts with its Store Card! So, read our Wayfair Credit card review!

Wayfair Card apply

How to apply for the Wayfair Credit Card?

Are you looking for ways to make the best of Wayfair purchases for your home? Read on to learn how to apply for the Wayfair Credit Card!

Credit ScoreN/A.
Interest rate*Account AIR: 31.99%, 35% (max for Quebec residents), 36.99%, and 39.99%.

*Terms apply.
Annual Fee*$39.99 annual fee (valid for Quebec residents).

*Terms apply.
Fees*You may need to pay an administrative fee of $24 for 6-month plans, $48 for 12-month plans, and $120 for 24-month plans (excluding Quebec residents).

*Terms apply.
Welcome bonus*You’ll be able to earn a $25 intro offer after you spend $150 or more on your first eligible order.

*Terms apply.
Rewards*You can earn either 3% cash back in rewards for eligible purchases or 0% interest financing for up to 24 months of using the card.

*Terms apply.

Also, this card is a great option for savvy shoppers. So, in this full review, we’ll go over the benefits and drawbacks of getting the card—including the bonus points, APR rate, fees & charges, etc.

Therefore, you’ll be able to decide if it’s right for you. Also, learn how to maximize those rewards and get up to 3% back on every purchase with their top-tier loyalty program! Read on to learn more!

How does the Wayfair Credit Card work?

As a cardholder of this Wayfair Credit Card, you’ll be able to choose between 3% cash back in rewards or 0% interest financing for 24 months!

Moreover, as a new cardholder, you’ll be able to earn a $25 intro offer after you spend $150 or more on your first order!

Wayfair Credit Card benefits

Improve your house at Wayfair. Source: Canva.
Improve your house at Wayfair. Source: Canva.

As we mentioned, this card offers incredible benefits to those who are looking for ways to purchase at Wayfair while getting rewards.

You can even get your physical credit card in 10 to 15 business days! However, this credit card also has some downsides. So, read the pros and cons we found in this Wayfair Credit Card review to learn more about it!

Pros

  • Up to 3% cashback or 0% interest financing for 24 months;
  • You can get a $25 intro offer if you spend $150 or more on your first eligible order with your card.

Cons

  • You can use this card to make purchases at other places besides Wayfair;
  • Also, you need to choose between your benefits and not get both.

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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How good does your credit score need to be?

There is not much information about the credit score needed to get this credit card. However, we recommend that you get a high or good score to get better credit card rates and fees!

How to apply for the Wayfair Credit Card?

You can apply for this credit card by linking it to your Flexiti account! Therefore, you’ll need to open your account before you complete your application!

Wayfair Card apply

How to apply for the Wayfair Credit Card?

Are you looking for ways to make the best of Wayfair purchases for your home? Read on to learn how to apply for the Wayfair Credit Card!

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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