Wayfair credit card reviews

CNET editors independently choose every product and service we cover. For many of these products and services, we earn a commission. Wayfair credit card reviews compensation we receive may impact how products and links appear on our site. Loyal shoppers get strong rewards and perks, but this card's benefits only apply to Wayfair brands.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. Wayfair is one of the world's largest online destinations for the home, offering more than 18 million products.

Wayfair credit card reviews

Written by: Nouri Zarrugh. Reviewed by: Barri Segal. Though it offers a decent rewards rate, the Wayfair Mastercard carries a sky-high APR and no noteworthy perks or discounts, and is best avoided for all but the most frequent Wayfair shoppers. Other Notable Features: Free shipping on all eligible purchases, special financing on eligible orders. Its restrictive redemption scheme, high APR and deferred financing options make it hard to recommend for anyone but the most devoted Wayfair shoppers. If you frequently make large Wayfair purchases, you may see some value in the card, but you can most likely find a more useful and rewarding credit card, even with damaged credit. While these are fair rewards rates, particularly for a co-branded store card, keep in mind that rewards earned with the Wayfair cards are not true cash back: Rewards can only be used as a discount on future orders from the Wayfair family of stores. More flexible cash back credit cards give you a choice in how you redeem rewards — whether as cash, statement credits or store credits. The catch is that the Wayfair credit card uses a risky deferred interest financing model. In contrast, the Amazon Credit Builder lets you choose between deferred interest and Equal Pay financing, which allows you to spread out payments equally across 12 months and have your monthly payments included as part of the minimum payment requirement on your statement. Additionally, the Wayfair Credit Card makes you choose between earning rewards and special financing.

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. Purchases are limited.

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Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. Wayfair is one of the world's largest online destinations for the home, offering more than 18 million products. Chronic house redecorators, or even just casual shoppers, may consider the Wayfair Credit Card for their home-enhancing purchases.

Wayfair credit card reviews

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 and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money.

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Instead of rewards, consumers can opt for interest-free financing on eligible Wayfair purchases for 6 to 24 months. As of August , the variable purchase APR is From here, you can access your monthly bills, enroll to receive paperless statements, and make payments via bank transfer or electronic payment. Pay off your purchases in full each month to avoid paying interest. Box Columbus, OH But you'll still probably do much better with a general cash-back credit card. View now. The information, including card rates and fees, presented in the review is accurate as of the date of the review. It's important to note that this offer is only available on your first purchase with the card, so you'll want to time your application around making a large purchase. However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. Your email address unlocks your approval odds. Written by: Nouri Zarrugh. Reviews Wayfair Mastercard review. Our reviews are regularly checked and updated to incorporate new recommendations, as well as to reflect changes in offers and the market.

CNET editors independently choose every product and service we cover.

Cons Rewards can only be redeemed at Wayfair family of brands. In a Nutshell: Though it offers a decent rewards rate, the Wayfair Mastercard carries a sky-high APR and no noteworthy perks or discounts, and is best avoided for all but the most frequent Wayfair shoppers. If we have made an error or published misleading information, we will correct or clarify the article. 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. Rewards Rating: 1. Plus, there is no annual fee to gobble up your savings. All eligible plans will be displayed for easy access. 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! There is also a welcome bonus that you can earn with furniture purchases. As with all credit cards, you must make on-time payments to avoid interest and other fees. Here is a list of our partners and here's how we make money. Why get the Wayfair Mastercard?