Wayfair Credit Card Review – Is It Worth It? [In-Depth]

Wayfair Online Shopping

We may be compensated when you click on links from one or more of our advertising partners. Opinions and recommendations are ours alone. Terms apply to offers below. See our Advertiser Disclosure for more details.

The Wayfair Credit Card is a good option for those people who frequently shop at Wayfair and are looking to receive rewards for their spending. This card doesn’t have an annual fee, allows you to get free interest (for a set time period) on your spending, and comes with rewards, like free shipping.

Card issuer Comenity Bank works with hundreds of well-known companies to offer rewards and financing promotions for each retail partner — in this case, Wayfair. The card is targeted for people in the good to excellent credit (580 to 850) range and you can even get pre-approved without a credit check.

There are some major drawbacks to this card, though. This card can only be used at Wayfair managed brands, has a very high APR, and comes with the potential for high fees due to deferred interest. We’ll breakdown all the pros and cons of this card in order for you to decide if this is the right card for you.

Wayfair Card at a Glance

The Wayfair card lets you enjoy exclusive cardmember offers and receive special financing while shopping at Wayfair.

This rewards card can only be used at Wayfair and the Wayfair family of brands, including Joss & Main, AllModern, Birch Lane, and Perigold.

Bottom Line: Since this card is only valid at Wayfair and its family brands, you are unable to use this card at other retailers or to take out cash at an ATM.

You can also earn an introductory offer for $40 off your first order when you spend over $250 (without taking part in the special financing promotion).

Introductory Offer Wayfair
Image Credit: Wayfair

If you choose to take advantage of the 3% rewards (as opposed to the special financing), you’ll earn 3% back in rewards every time you make an eligible purchase on your personal Wayfair card. You can redeem these rewards on any of its retail sites.

The Wayfair card interest rate of 26.99% is high compared to other credit cards but in line with other store cards. There are no fees associated with opening an account or keeping an account open.

As with all credit cards, you must make on-time payments to avoid interest and other fees. However, if you qualify for special financing offers, you are able to defer the interest payments for the associated time periods noted below.

Financing Offers

If you are planning on making a big purchase from Wayfair, taking advantage of the special financing might be appealing to you.

Promotional financing is offered on a periodic basis. However, 6-month special financing on orders over $60 and 12-month special financing on orders over $499is always offered.

The following plans were available as of July 2020 with minimum purchase thresholds:

  • 6-month special financing on orders over $60
  • 12-month special financing on orders over $499
  • 24-month special financing on orders over $949
  • 24-month special financing on orders with Nora, Simmons, Sealy, Serta, Stearns & Foster, or Tempur-Pedic mattresses over $949
  • 36-month special financing on orders over $1,399
  • 36-month special financing on orders with Nora, Simmons, Sealy, Serta, Stearns & Foster, or Tempur-Pedic mattresses over $1,399
  • 48-month special financing on orders over $1,899

Hot Tip: In order to take advantage of the special financing, pay with your Wayfair card at checkout and select the financing option.

Wayfair Online
Image Credit: Wayfair

Comenity notes that “interest will be accrued on the original purchase amount.” This means that this card has something known as deferred interest. If you don’t pay off the balance in the time periods noted above, you will be required to pay all of the interest you would have incurred during the plan.

Bottom Line: Even if you’ve made payments, but don’t pay off the balance in time, you will still be stuck with paying interest on the full amount. 

Comenity further states “to avoid paying total accrued interest charges, you must pay the balance of your deferred-interest plan(s) in full by each plan’s expiration date.” This is a big deal because it means that even if you miss a single payment, you can be hit with big interest fees.

So don’t be fooled. This “no interest financing” can quickly add up if you aren’t prompt with your payments — especially considering the high APR that this card charges.

How to Apply for a Wayfair Card

Applying for the Wayfair card is simple; just head over to the Wayfair website. Fill out a bit of personal information and you can see if you qualify in as little as 60 seconds.

Wayfair Credit Card Application
Image Credit: Wayfair

You can also try the “shopping cart trick.” This means that a credit card offer from Comenity Bank may pop up with an incentive to apply as you are online shopping. Since you qualify before entering any personal information, this won’t result in a hard credit inquiry.

Hot Tip: If the offer requires you to input your full Social Security number, it will likely result in a hard pull on your credit report. 

The Wayfair card approval odds are high, particularly if you have a credit score over 580. Even though it is relatively easy to qualify for this card, you will still need to meet other minimum requirements.

You must provide:

  • Your name
  • Address
  • Personal contact information
  • Date of birth
  • Social Security number (unless you use a pre-qualification link)
  • Annual income

Note that the Wayfair card program is cardless. Once you are approved, your card will automatically be added to your account for immediate use. Your account number and other account information will be mailed to you in your welcome packet within 10 days via U.S. mail.

Signing in to Your Wayfair Card Account

To access your account you can log on to your Comenity Bank account online. There is not a mobile app, but you can access the website from a mobile device.

Wayfair Credit Card Sign In
Image Credit: Comenity Bank

Once you set up and access your account, you can:

  • Pay your bill
  • Set up your online Wayfair card in the Account Center
  • Obtain a copy of your billing statement
  • Answer questions about your account
  • Answer questions about your bill or transactions, including special financing transactions
  • Update your account information
  • Request a change to your credit limit

How to Pay My Wayfair Card

There are multiple options you can use to make payments on your card. All payments must be received by 8 p.m. EST on your due date to avoid fees!


To access your account, you can log on to your account online.

From here, you can access your monthly bills, enroll to receive paperless statements, and make payments via bank transfer or electronic payment. You can make online payments 24 hours a day, 7 days a week.

Unfortunately, you cannot make a payment with a debit card or from banks located outside of the U.S.


If you don’t want to log on to your account (or haven’t registered your account online), there is also the option to use Comenity’s EasyPay tool.

It will ask for a few pieces of identifying information, then provide just enough access to make a payment without giving access to any other information from your account.

Bottom Line: You can only make payments by using EasyPay, so you must create an online account or call customer service if you needed to make other changes to your account.

By Phone

You can contact the Wayfair card’s customer care team to pay by phone at 844-271-2567. They are available Monday to Saturday from 8 a.m. to 9 p.m. EST.

Benefits of the Wayfair Card

If you are a regular shopper at Wayfair or its family of stores, the Wayfair card can be a good way to earn some small rewards, take advantage of free financing, and improve your credit score.

Approval Odds/Quick Approval

If you have a good to excellent credit score (meaning 580 or higher), you will likely be approved for this card. Because conditional credit approval is automated on the website, you may get a decision on your application within 60 seconds!

In addition, you may also be able to bypass a hard credit inquiry and be pre-approved via the shopping cart trick noted above.

Up to 48 Months Free Financing

If you make a large purchase from Wayfair and you are able to pay off your entire balance within the timeframe noted on your promotional offer, you can take advantage of free 0% financing!

Initial Discount Offers

The Wayfair card gives you $40 back in rewards on your first Wayfair order of $250 and above without financing. That’s not the biggest first-purchase bonus available from a store credit card, but it’s definitely not terrible, either.

Wayfair Credit Card Promotional Offer
Image Credit: Wayfair

Free Shipping

If you have this card, your order will automatically include free delivery on all eligible purchases. The card’s terms list flooring, large fixtures, and “non-standard items” as exclusions. Free shipping doesn’t apply to returns.

Bottom Line: Free delivery is already available to all Wayfair customers on purchases over $35, so this benefit may not be significant.

No Annual Fee

Wayfair can be a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don’t have to pay an annual fee for the privilege.

Reports to All Credit Bureaus

Your account activity will be reported by Comenity Bank (who issues the Wayfair card) to the 3 major credit reporting agencies (Equifax, Experian, and TransUnion). You can slowly improve your credit score and demonstrate your financial responsibility by making regular on-time payments.

Drawbacks of the Card

This card has some distinct disadvantages, including restricted use and a high probability for fees with little reward.

Can Only Use at Wayfair Family Brands

This one is pretty self-explanatory, but you can only use this card at Wayfair, Joss & Main, AllModern, Birch Lane, and Perigold. This means you can’t use it at any other retailer (and don’t even receive a physical card)!

Wayfair Family of Brands
Image Credit: Wayfair

Deferred Interest Financing

The Wayfair card offers an introductory rate of 0% on new purchases for 6 to 48 months, depending on the cost of what you buy. But because of the card’s deferred interest, if you miss a monthly payment or don’t pay off your balance in full, the high APR will retroactively apply to your entire original purchase amount.

Limited Rewards

If you don’t take advantage of the promotional financing, you can elect to receive 3% cash-back in Rewards Dollars for all eligible purchases from Wayfair, Joss & Main, AllModern, Birch Lane, and Perigold. This is decent, but many other rewards cards offer incentives for all of your day-to-day purchases.

Wayfair Card Customer Service and Phone Number

To contact customer service directly, call 844-271-2567. Customer care specialists are available Monday to Saturday from 8 a.m. to 9 p.m. EST.

You can also use the Wayfair customer service number above to cancel your Wayfair card at any time.

If you prefer to contact by mail:

Comenity Capital Bank
P.O. Box 183003
Columbus, OH 43218-3003

Alternative Credit Cards (Our Recommendations)

You do receive a few benefits from the Wayfair card, including access to up to 48 months of financing, free shipping, and welcome rewards.

If you are able to qualify for it, the Chase Freedom Unlimited® card is also a more versatile choice that also offers an introductory APR.

The card also features cash-back on travel purchases through Chase Ultimate Rewards, dining, drugstores, and all other purchases, plus it can be used at a variety of retailers (not just Wayfair brands) and does not have an annual fee.

The Citi® Double Cash card is another great option. Cardmembers earn 2% cash-back (1% when you buy, 1% when you pay) on all of your purchases that you can then use to offset your purchases. The additional benefits of this card are hard to beat on a card with no annual fee.

Hot Tip: If you are an eligible cardholder, check your Chase Offers or Amex Offers to see if you are eligible for an extra Wayfair discount or earning opportunity!

Final Thoughts

If you make regular purchases from Wayfair or the Wayfair family of stores, you’ll find some small perks with this store card. The welcome rewards, no annual fee, and special financing make this card appealing if you’re planning on making a big purchase. It is also a good way to build credit since Comenity reports your credit history to all 3 credit bureaus.

The Wayfair card offers a mediocre rewards rate on Wayfair purchases and deferred-interest financing plans that can be dangerous given the card’s high APR. However, if you can’t qualify for a more flexible reward or credit-building card like we’ve noted above, this card might be a good option for you.

The information regarding the Wayfair Credit Card, and Chase Freedom Unlimited® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Frequently asked questions

Is the Wayfair Credit Card easy to get?

Yes, if you have good credit (580 credit score) or above, you will likely be approved for this card. In addition, you can try the “shopping cart trick” to see if you can be preapproved for this card without a hard credit inquiry.

What credit score you need for Wayfair?

The Wayfair card approval score is solid for good credit levels (580-850). This doesn’t mean you can get approved if you have a lower score, but it isn’t as likely.

If you have a lower score or are concerned with a hard credit inquiry hurting your credit score, you can apply with a pre-qualification link.

Can I pay my Wayfair bill online?

Yes, you can pay your Wayfair bill online. To access your account, you can log on to your account online.

From here, you can log on to your online account in order to make payments via bank transfer or electronic payment. You can make online payments 24 hours a day, 7 days a week.

Christy Rodriguez

About Christy Rodriguez

Christy was born in St. Louis, Missouri, but lived in Texas the majority of her life. Now, work has her living in the Bay Area with her husband and yellow lab. Her first international travel experience was for a summer study abroad program in Italy. After that, she knew that she was destined to travel as much as possible. Luckily, her husband worked at Southwest Airlines, so they were introduced to the exciting world of “non-rev” travel.

Travel prices are about to surge from pent-up demand.

Use this points strategy to lock in pennies-on-the-dollar pricing in 2021, all without being a frequent flyer...

How do I only pay $30 to go to Hawaii, $200 for business class to Asia or just $150 to Europe?

Discover the real-life strategies that anyone can use to enjoy limitless travel (even on a limited budget!)

Just sign up below and I’ll send you the Limitless Travel Playbook instantly:

We respect your privacy. Please view our privacy policy here.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. I just received an email that on September 10, 2020, Comenity is ending its relationship with Wayfair, and all card accounts will close.


  2. Martha Torres September 8, 2020

    I received the same message and haven’t been able to find out any more Information since I was mailed a letter in the mail.


Any thoughts or questions? Comment below!

Advertiser Disclosure

Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. Click here to see a list of advertisers that we work with.