Wayfair credit card reviews

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Wayfair credit card reviews

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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.

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. Here are five things to know.

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. The 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.

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Last name. Rating The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Updated May. 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. If you're loyal to a Wayfair brand, this might not be an issue. The offers that appear on this site are from companies from which CreditCards. The credit card provides another interesting benefit for frequent Wayfair shoppers. If your main objective is simply to collect rewards toward your next furniture purchase, the Wayfair Mastercard might be a good fit for you. If you have a big purchase coming up and you would rather save money on that, you can choose no-interest financing for up to 24 months for your qualifying order. To access your account, you can log on to your account online. You'll get a modest sign-up bonus. 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. But for most people, the best credit card to apply for earns more flexible rewards that aren't tied to any specific retailer. When you are ready to proceed, you can call customer support at to apply by phone. The Wayfair Credit Card comes with minimal security protocols.

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 cash back credit cards or travel rewards credit cards are not always limited to specific stores. Bank of America Customized Cash Rewards credit card. If you are planning on making a big purchase from Wayfair , taking advantage of the special financing might be appealing to you. Your email address unlocks your approval odds. The rewards you earn with a Wayfair credit card can only be applied toward purchases made at a Wayfair retail site. All eligible plans will be displayed for easy access. Compensation from the issuer does not affect our rating. Financing option Welcome offer Free to join. Because conditional credit approval is automated on the website, you may get a decision on your application within 60 seconds! When you buy through our links, we may earn a commission. This is decent, but many other rewards cards offer incentives for all of your day-to-day purchases.