If you love shopping for home goods, furniture, and decor at Wayfair, you might be interested in their credit card. The Wayfair credit card offers benefits and rewards that can make shopping better. In this article, we’ll explain everything you need to know about the Wayfair credit card, including how it works, its benefits, how to apply, and how to manage your account.
Wayfair Credit Card
The Wayfair Credit Card is a store credit card that offers exclusive benefits for shopping on Wayfair and its partner websites, such as Joss & Main, AllModern, Birch Lane, and Perigold. This card is issued by Citibank and offers rewards and special financing options that can help you save money on your purchases. There are two types of Wayfair Credit Cards:
- Wayfair Credit Card: This is the standard store card that can only be used on Wayfair’s websites. It offers rewards on your purchases and special financing options.
- Wayfair Mastercard: This is a more flexible card that can be used anywhere Mastercard is accepted, not just on Wayfair’s websites. It also offers rewards on all your purchases, both at Wayfair and elsewhere.
Both cards offer unique benefits for different types of shoppers.
Fees associated with the Wayfair Credit Card
The Wayfair Credit Cards come with no annual fee, but there are other fees you should be aware of;
- Balance Transfer fee
- Cash advance fee
- Foreign purchase transaction fee
- Late payment fees.
Pros of the Wayfair Credit Card
The Wayfair Credit Card comes with several benefits that make shopping easier and more rewarding.
- No Annual Fee: Both the Wayfair Credit Card and the Wayfair Mastercard come with no annual fee, which means you can enjoy the benefits of the card without worrying about an extra cost each year.
- Special Financing Options: One of the major perks of the Wayfair Credit Card is the special financing options available for larger purchases. Depending on the amount you spend, you can choose from different financing plans. For example:
- 6-month financing on purchases of $199 or more.
- 12-month financing on purchases of $799 or more.
- 18-month financing on purchases of $1,499 or more.
- 24-month financing on purchases of $2,999 or more.
These financing options allow you to spread out the cost of your purchase over several months without paying interest, as long as you pay off the balance within the promotional period. This can be a great option if you’re making a big purchase, like furniture or appliances.
- Earn Rewards: With the Wayfair Credit Card, you can earn rewards on your purchases. The rewards program varies slightly depending on whether you have the Wayfair Store Card or the Wayfair Mastercard:
- Wayfair Credit Card (Store Card): Earn 5% back in rewards on Wayfair purchases.
- Wayfair Mastercard: Earn 5% back in rewards at Wayfair, plus 3% back at grocery stores, 2% back on online purchases, and 1% everywhere else.
These rewards can be redeemed for future purchases on Wayfair and its partner sites. You can redeem your rewards up to a maximum of $2500 in Reward Dollars per month on any of the retail sites by applying them at Checkout when you use your Wayfair Credit Card or Wayfair Mastercard.
- Cardholders get access to special promotions and discounts that are only available to Wayfair credit card users.
How to Apply for the Wayfair Credit Card
To apply for the Wayfair Credit Card:
- Using an internet-connected web browser, go to https://citiretailservices.citibankonline.com/RSauth/signon?pageName=signon&siteId=PLCN_WFCC&langId=en_US&brandId=WF
- Click the Apply Now button
- Enter your email address
- Click the Continue button
- Enter the verification code sent to your email address, and click Send code.
- Enter your phone number.
- Click the Apply Now
- Enter your names
- Confirm your phone number and address.
- Select your residential status, and enter your monthly housing payment.
- Fill in your date of birth.
- Enter your Social Security Number.
- Enter your annual net income.
- Agree to their terms & conditions
- Click the Submit Application
Follow the prompts to complete the application process.
How to Manage Your Wayfair Credit Card Account
With the Wayfair Credit Card, you can easily manage your account online. You can check your balance, make payments, view your transaction history, and even set up automatic payments to ensure you never miss a due date. To create an online account for your credit card;
- Using an internet-connected web browser, go to https://citiretailservices.citibankonline.com/RSauth/signon?pageName=signon&siteId=PLCN_WFCC&langId=en_US&brandId=WF
- Click the Get Started
- Enter the card number printed on your Wayfair credit card.
- Click the Continue
Follow the prompts to complete the registration button.
Wayfair Credit Card Login
To log into your Wayfair Credit Card;
- Using an internet-connected web browser, go to https://citiretailservices.citibankonline.com/RSauth/signon?pageName=signon&siteId=PLCN_WFCC&langId=en_US&brandId=WF
- Enter your User ID
- Enter your password
- Click Sign On
Follow these steps to access your Wayfair credit card account.
Wayfair Credit Card Customer Service
If you need help with your Wayfair Credit Card account, you can contact Citi’s customer service team. They can assist with account questions, payments, and any issues you may encounter. To contact their customer service;
- Using an internet-connected web browser, go to https://citiretailservices.citibankonline.com/RSauth/signon?pageName=signon&siteId=PLCN_WFCC&langId=en_US&brandId=WF
- Scroll down the page, and you will get the phone number and address with which you can contact them.
Frequently Asked Questions (FAQs)
How do I update my User ID and Password?
Under the User Profile section, select the User ID and Password option. Update your information and click the Save button.
How long would it take for me to receive my Wayfair Credit Card?
After you’re approved for the Wayfair Credit Card, it will be mailed to your address within 7 to 10 business days.
How often should I change my password?
It is highly recommended that you change your login password every six months for your account security.
Also, Check Out: