WalletHubNo membership fees$40 initial rewards bonusQualify with fair creditHigh regular APR
Info about Wayfair Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
RewardsAPRReviewsQ&AContactExcellent Credit, Good Credit, Fair Credit
$0
Get $40 off your first qualifying online order of at least $100 (minimum purchase of $250 for purchases made in store).
Earn 5% back in Reward Dollars when you use your card at Wayfair Sites.
Choice of 5% back in rewards or special financing.
You can redeem your Rewards up to a maximum of $2500 in Reward Dollars per month on any retail sites by applying them in Checkout when you use your Wayfair Store Card.
0% - 9.99% intro APR for 6 - 60 months, 31.99% (V) APR after that
Balance Transfers Not Allowed
No membership fees
$40 initial rewards bonus
Qualify with fair credit
High regular APR
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | Yes |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Deferred Interest Details: No interest if paid in full within 6, 12, 18 or 24 months on minimum purchases of $199, $499, $1,499 or $2,999, respectively.
9.99% ARP for select purchases eligible for a Major Purchase Plan. The store website will find purchases eligible for a Major Purchase Plan.
Can't find what you are looking for? Submit your question about Wayfair Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
You can get a Wayfair Credit Card credit limit increase by calling 844-271-2567 or by logging in to your account's website at https://comenity.net.
After being logged in, click on “Credit limit” in the left-hand navigation and follow the steps.
Yes, the Wayfair Store Card will do a hard pull when you apply for it. This might negatively affect your credit score for a little while.
You'll need at least fair credit to be considered eligible for this card. Fortunately, you can check if you pre-qualify without hurting your credit score.
Citi Retail Services
PO Box 70267
Philadelphia, PA 19176-0267
No, you cannot get approved for the Wayfair Store Card with no credit. You'll need at least fair credit to be considered eligible, but other factors (your income or existing debts) will also be taken into account when the issuer looks at your application.
Citi Retail Services
PO Box 70267
Philadelphia, PA 19176-0267
Payments made via mail take at least a few business days to post. So make sure to send them at least 5 days before your due date to avoid being charged with late fees.
...
You need a credit score of 640 or better for the Wayfair Store Card. That means people with at least fair credit have a shot at getting approved for the Wayfair Store Card.
What to Know About the Wayfair Store Card Credit Score Requirements
You should...
No, you cannot use your Wayfair Store Card everywhere, as you can only use it for purchases across all Wayfair retail sites. This credit card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.
Where You Can Use Your Wayfair Store Card
...The minimum starting credit limit for the Wayfair Store Card is reportedly at least $300. The issuer does not include any specific Wayfair Store Card credit limit information in the card's terms, though.
For the most part, Wayfair Store Card credit limits depend on each applicant's overall creditworthiness. Those with the highest income...
It can take as little as a minute to get approved for the Wayfair Store Card. If you don't get instantly approved, it usually takes 7-10 business days to receive a decision on your application.
Having said that, you can check the status of your credit card application anytime by calling...
Applicants can check their Wayfair Store Card application status by calling (866) 263-8325. When you call, wait until you're connected to a customer service representative. It should only take a few minutes to find out whether your application is approved, denied, or pending. The issuer does not allow you to check your application status...
Share your insights and review the Wayfair Store Card
BEWARE. I am in the process of buying a house. As a result, I have a lot of inquiries as the loan officers check all my stuff and everything. Wayfair decided it was a good idea to use that and a rate that was over 14 days old to lower my credit limit, making my credit usage skyrocket from 19% to 85%- literally a limit of 3k to 700 dollars. Do not use this company if you want to maintain your credit score.
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Offer last updated: May 23rd, 2023 at 10:06 ET
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