What does this mean for you? If you're looking to apply, we recommend at least a 630 credit score. Wayfair, a popular online furniture store, is scrapping its old credit card issued by Comenity Bank to replace it with two new ones partnering with Citi.. The Wayfair Credit Card and Wayfair Mastercard Rewards Program is offered by Wayfair. So you get the ease of credit score approval that come with store cards and the flexibility that comes with normal credit cards. Minimum interest charge: $2. For the Wayfair Mastercard, you will earn Reward Dollars when you use your card outside of Wayfair Sites: 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. Contactless cards like the Wayfair Mastercard, are the type of chip cards that can be tapped on the terminal, rather than inserted or swiped, when used at contactless enabled terminals. Disclaimer: Crediful does its best to maintain accurate and updated information. Credit requirement: Fair; Other qualifications: See our article on the Wayfair Credit Card’s approval odds and requirements. You may need to have a credit score of at least 550 to qualify for the card, which is considered a “poor” score. Our reviews are based on independent research. Applicable to both the Wayfair Mastercard and Wayfair Credit Card. Or No interest financing if paid in full up to 24 months on qualifying orders. Wayfair Credit Card . Valid through 03/31/21. You can apply for a Wayfair credit card by completing the application with your personal information (name, home address, personal phone number, etc.). The Wayfair Credit Card is an underwhelming store card. Most credit card offers require very good credit. Unlike the amazon card, a Sam’s Club store card works like a regular credit card. These stores include Wayfair, Joss & Main, DwellStudio, Birch Lane, and AllModern. Refer to the Rewards section of disclosure number one. If your order qualifies for multiple financing plans, you will be presented with eligible options and can select one to apply to your order. Your Account is no longer valid for new transactions. Some promotional financing is offered on a periodic basis. As a Wayfair Professional member, am I eligible to apply for a Wayfair credit card? Minimum interest charge: $2. How Much Should Your 401(k) Contribution Be? The Wayfair Credit Card (a store credit card issued by Comenity Bank) has no annual fee and offers the following perks: 1. Options. Credit score requirements: Credit Score requirements are based on Money Under 30’s own research of approval rates; meeting the minimum score will give you the best chance to be approved for the credit card of your choice. The Wayfair credit card can be used at wayfair.com, jossandmain.com, allmodern.com, birchlane.com, perigold.com, while purchases on the Mastercard version can be made anywhere Mastercard is accepted. Is it still available? The Wayfair card approval odds are high, particularly if you have a credit score over 580. The Verdict. Refer to the Rewards section of disclosure number one. Nope! Cannot be combined with any other discount or financing offers. Comenity Bank is a major credit card company that has 93 credit programs for many top U.S. retail stores, focusing heavily on store-branded credit cards. Merchants must submit charges under the appropriate merchant code or industry code to be eligible as Qualifying Online Purchases and/or Net Qualifying Purchases in the different categories. Earn Wayfair Rewards everywhere else you shop, with the Wayfair Mastercard. Choosing a more traditional credit card over the Wayfair Comenity Bank Card could literally save your credit score and thousands of dollars in interest payments over your lifetime. Terms and fees: No annual fee; Find the current APR and more fee information in the Wayfair Credit Card account disclosures. If you're not sure what your Credit Score is, apply for a report, here. Additional terms and exclusions apply. Card accounts for Comenity Bank’s Wayfair Credit Card closed on Sept. 10, 2020, although Comenity notes that any rewards you earned through that date can still be … In case you are approved for both, you can choose which card you want. Neither Wayfair nor Citibank determine whether merchants appropriately identify all transactions made on a credit card, but Wayfair does reserve the right to determine which purchases qualify for Reward Dollars. Upon approval you can choose which version you prefer. The Wayfair credit card is a store credit card that can be used at Wayfair owned stores. Our #1 priority is you, our reader. $40 OFF your qualifying first order of $250+ if you choose Rewards1, No interest financing if paid in full up to 24 months on qualifying orders1. Pros Explained . See below for currently available plans. Or choose No interest financing if paid in full up to 24 months on qualifying orders. These are the ten benefits of applying for a Wayfair credit card. Your personal financial situation and lender terms and conditions can impact credit approval. As of 09/11/2020 the Wayfair Credit Card Purchase APR: variable 26.99%, Min. Order total must be $250 or more (excl. Wayfair Mastercard Purchase APR: variable 26.99%; Balance Transfer APR: variable 26.99%; Cash APR: 29.99%; balance transfer fee is the greater of $10 or 5% of the amount of each transfer, cash advance fee is the greater of $10 or 5% of the amount of each cash advance, Min. This is not an application for credit. For the Wayfair Credit Card at least a fair (640+) credit score is needed. This article lists all of their affiliations as well as the easier credit cards that you can apply for which is very useful for those with a poorer credit score. Your introductory offer, if applicable, may only be used on your first Wayfair Credit Card order or first Wayfair Mastercard order at one of Wayfair’s retail sites.