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Wayfair Credit Card

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This is a cardless credit card program that connects to your Wayfair account, allowing you to make online purchases at Wayfair and its partner brands. You can either choose 3% back in rewards or special financing when you make a purchase over $60. It’s issued by Comenity Bank.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 28.49% Variable

Wayfair Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


You can choose one for each purchase:

  • 3% back in rewards OR
  • Special financing on purchases over $60
Introductory Bonus
  • 15% back in rewards on your first order

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Wayfair Credit Card


  • 3% back in rewards or special financing options ranging from 6 to 48 months on eligible purchases over $60
  • 15% off your first order
  • Free shipping with no order minimum
  • Store card for use online at Wayfair, AllModern, Perigold, Birch Lane, and Joss & Main
  • Cardless credit card program that integrates with your Wayfair account online
  • Your card will connect to your Wayfair account upon application approval
  • No annual fee

Comenity Capital Bank

Comenity Capital Bank has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

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The Wayfair card is a cardless credit card account that integrates with your Wayfair account online, allowing you to make purchases through the Wayfair website and at associated stores.

Along with free shipping, for each eligible purchase cardholders can choose between:

  • 3% back in rewards OR
  • Special financing options ranging from 6 to 48 months on orders over $60

Aside from some other promotional financing offers from time to time, this card doesn’t come with any other perks.

Once you’re approved for the Wayfair credit card account, you’ll see your card number come up when you log in and at checkout, so you can start shopping almost immediately. Wayfair will send you the account information by mail within 10 business days. You can check to see if you’re pre-approved for the offer before you apply, without negatively affecting your credit scores.

You can use your card online at and any associated brands, including AllModern, Perigold, Birch Lane, and Joss & Main.

This online-only store credit card has no annual fee.

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