Wondering if Wayfair Credit Card is worth to buy? There’s a lot you to know about it before your get one. Read our detailed review on How the credit card works, what type of options are beneficial and how to make the most on your purchase. We in Couponx aims to get you best possible savings on your every purchase at Wayfair through exclusive and curated content tailored to your everyday needs. Here in this article, we discussed everything about the Wayfair credit card keeping your valuable time & needs in mind.
Let’s dive in deeper and scout for savings.
Types of Wayfair Credit Card
Wayfair has two credit card options: Wayfair Mastercard and Wayfair Credit Card. The Wayfair Credit Card is exclusively redeemable at Wayfair and its affiliated stores, AllModern, Birch Lane, Joss & Main, and Perigold. Another option is the Wayfair Mastercard, which can be used at any store that accepts Mastercard.
Credit Score Required for Wayfair Credit Card:
A decent score of at least 640+ is necessary to be approved for a Wayfair credit card. Thus, before applying, make sure you are aware of your situation.
How to apply for the Wayfair Credit Card?
To apply for the Wayfair Credit Card or mastercard start by visiting the official Wayfair website and navigate to the credit card section. Choose as per your preference between the standard Wayfair Credit Card or the Wayfair Mastercard that offers unique benefits. Fill out the online application form with your personal details after submitting your application you’ll receive your Wayfair Credit Card confirmation by mail.
Annual Fee:
You can shop at Wayfair without paying an annual fee, earn benefits like discounts and free shipping, and enjoy zero percent interest on your purchases for a certain amount of time.
What Other Stores Accept Wayfair Credit Card?
The Wayfair Credit Card is primarily designed for use on the Wayfair platform and affiliated brands. It allows cardholders to make purchases on the Wayfair website, including Wayfair.com, Joss & Main, AllModern, Birch Lane, and Perigold. If you have the Wayfair Mastercard, you can use it not only on Wayfair-affiliated sites but also anywhere Mastercard is accepted.
Pros & Cons Of Wayfair Cards:
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Wayfair Financing:
For most purchases, you may take advantage of special financing options with your Wayfair Credit Card or Wayfair Mastercard. Orders exceeding $199 can be paid in full over 24 months using special financing, which lets cardholders make purchases and pay them off without interest. Instead of placing separate orders for each product, you can apply various financing plans to each one by selecting the appropriate option during checkout.
*Please note that If you opt for special financing, you will not receive rewards for the purchase. & Excludes Wayfair in-store purchases.
Zero-Interest Finance Plans
- 6 month Financing on orders over $199
- 12 month Financing on orders over $799
- 18 month Financing on orders over $1499
- 24 month Financing on orders over $2999
Apart from the above finance option The Wayfair Credit Card often offers major purchase plans with special financing options but Wayfair will charge you interest retroactively from the purchase date . By using this finance option you can stretch out payments if you need more time to repay.
Finance Plans with Interest
- 9.99% APR for 36 months on orders over $1599
- 9.99% APR for 48 months on orders over $1799
- 9.99% APR for 60 months on orders over $1999
Rewards:
Both the Wayfair Credit Card and the Wayfair Mastercard can earn 5% back in rewards when you make a purchase on any Wayfair site and $40 off your first qualifying order of at least $250.
Enjoy benefits such as 3% at grocery stores, 2% for Qualifying Online Purchases not made at Wayfair Sites and 1% on all other Net Qualifying Purchases made with your Wayfair Mastercard.
How to Pay Your Wayfair Credit Card Bill?
There are various types of payment options to pay wayfair credit card or Mastercard such as
Online: To make an online payment of your card, log in to your credit card registration page with your user ID and password and make payments via bank transfer or electronic payment.
By Phone: You can contact the Wayfair card’s customer care team To make a payment by phone at (800) 365-2714. You can access your account using your account number or your Social Security Number. Make sure you also have your checking account number and bank routing number handy to complete the transaction.
By Mail: If you would prefer to pay your bill through the mail, Send your payment with a check or money order to: Citi Retail Services P.O. Box 70267 Philadelphia, PA 19176-0267.
Wayfair Card Customer Service:
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. Your queries will be resolved with in 2 to 3 working days
Our Verdict
All things considered, the Wayfair Credit Card is a tailored payment option for those who shop for home products on the website. With it, you may find unique financing options and great deals. Potential cardholders should study the tiny print, make wise decisions, and be mindful of their spending patterns in order to get the most out of the card.