Wayfair Store Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Wayfair Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo 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.
Rewards%APR45Reviews10Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
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.
APR on Purchases
0% - 9.99% intro APR for 6 - 60 months, 31.99% (V) APR after that
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.
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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.
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.
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
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.
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
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13%
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7%
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60%
2.0
45 reviews
45 reviews
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Catera Ealy @catera_ealy23
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1 Star Rating
I called to get my card changed thinking fraud was done on my card realized I made those charges but the lady changed my card never put the request in to have it sent out so I had to contact them again found out someone removed my cash credit limit and lower my Cash advance,I didn't know till I checked my statement this month because it's not showing on the app .
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foxy0820 @foxy0820
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1 Star Rating
I was given a high credit limit on my Wayfair MasterCard and I tried using the card yesterday and it was declined shortly after someone called me, it was my mistake not to get his name ge was from their customer service asking if it was me and all this information and after I confirmed it I told him that I had been denied why and he apologized and said he was taking the block off my card that it was only because it was a new card and therefore they weren't used to the spending pattern of it, I said okay thank you . Today I tried using my card to get something to eat at Pollo Tropical and again it was declined again I called & again they said that they were going to take the block off they apologize for the inconvenience. So I tried it again a half hour later and again it was declined. I called the third time the lady that answered the phone wasn't very nice in fact her name was Gabriella from the security department and she said that they were going to go ahead and take the block off sorry for the inconvenience the same thing. I was irate because this should not have been happening I don't get mad easily. When I started to tell her that I was sorry that I don't usually get mad but this was my third time calling for the same issue,she cut me off wished me a good day and hung up. I again tried using my card to order food after I hung up with her a half hour later and again it was declined. By this time I didn't want to eat from them anymore and I didn't bother to call back. Every time you call they go through the same process everybody says the same thing ask you the same questions and I was not going to do that again. I think their service is horrible, I've never had to go through that with any of my credit cards , it's ridiculous . They said every time I called that this wasn't going to happen again I don't know what's going on I don't know who else to call to get this straightened out. This is just a fair warning to all of you who have this card in case you go through the same thing hopefully not.
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Timskossler @Timskossler
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1 Star Rating
This card was an absolute nightmare. Deceptive trade practices. They don’t send you the card so you can’t pay online. They make the due date right after you get the statement and then charge you late fees of over $35. Paying by phone is a complex process. Save yourself a lot of trouble and stay away from this card.
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Cody Mack @cepeds13
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1 Star Rating
The card has been nothing but a nightmare so far as I still haven't been able to get it sent to me and I was provided no notification about it, or about when my due date was for the card as I was still somehow able to use it on my Wayfair account. Then the support team couldn't verify it was my account since they said my phone number wasn't connected, my phone number! How about something more secure to confirm it's my account to allow me to literally just pay my bill. Once I finally jump through the rest of the hoops to actually have the physical card and be able to pay it I am cancelling it and won't use it again. Luckily their credit card service is not the same customer service team as normal ordering through Wayfair.com as they are lovely people that are quick and efficient if there has ever been an issue with an order. Don't get this card, stick to your normal major credit card and if needed wait until you get a 0% interest promo if that's what is needed. This Wayfair card is not worth it.
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Raysharon Brown @raysharon2
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1 Star Rating
This JUST happened to me. My account had a zero balance and was closed. They charged me a late fee and put in on my credit report when there was no balance. I always paid on time with them even when THEY closed the program. My payments were set up to be automatically withdrawn from my account. What is wrong with them. I called them and they said to call back in one to two weeks bc their system was down and unable to pull my account. It no longer exists. I will be reporting them.
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Sarah Ynocencio @sarah_ynocencio
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1 Star Rating
Really? A 820 credit score and minimal balances on the cards I do have with the cards paid off every month and I still get denied? I mean who the heck do you approve? Although reading the reviews it sounds like this card was a headache anyways with multiple people reporting issues. I was going to finance a larger purchase but I guess you lost a customer before I even started an order. Not my loss but yours!
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ohintonsr @ohintonsr
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1 Star Rating
Verified Customer
Do not deal with these people. I had this credit card for several years and never missed a payment. I paid it off to a zero balance closed the account then I moved to another state. They charged me 10 dollars for interest left over and reported it as a late payment on my perfect credit report. I never received a notice of the balance. I called them to come to some sort of resolution and they told to me to fk off, the information is accurate and refused to remove the negative mark to my perfect file for $10. These people are greedy, uncaring and have no mercy on their good consumers who keep them in business. STAY AWAY!!
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Raysharon Brown @raysharon2
This JUST happened to me. My account had a zero balance and was closed. They charged me a late fee and put in on my credit report when there was no balance. I always paid on time with them even when THEY closed the program. I will be reporting them.
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Lauren @sempernumquam
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1 Star Rating
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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Laine Gillespie @laine_gillespie
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1 Star Rating
BEWARE WAYFAIR CREDIT CARD! I have huge mess due to delivery of damaged product. After a 4 month nightmare I have closed the card.
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Jared Milano @jaredm_32
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3 Star Rating
Verified Customer
It's ok, Wayfair has a tendency to unabruptly cancel accounts after they are paid in full, and without notice. I don't really recommend doing business with their issuers.
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