Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
7% back on every AllModern purchase with $0 annual fee
The AllModern Mastercard earns 7% back in Reward Dollars on qualifying purchases across Wayfair, AllModern, Joss & Main, Birch Lane, and Perigold — plus 3% at grocery stores and 2% on online shopping. With $0 annual fee and free Wayfair Rewards membership ($29/yr value), frequent Wayfair shoppers can save significantly on home furnishing purchases. Keep in mind that rewards are only redeemable at Wayfair Family of Brands and the 29.74%-33.49% APR is steep.
Up to 7X (Allmodern)
Highest rate (conditional)
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
AllModern
Credit Required
Good
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Details & Terms
| Purchase APR | 29.74%–33.49% (Variable) |
| Cash Advance APR | 29.74%–33.49% (Variable) |
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$0
Critical review of the Wayfair Mastercard highlighting restrictive redemption options, sky-high 26.99% APR, and deferred interest financing risks. Notes the card offers 5% back at Wayfair brands and 3% at groceries, but rewards can only be used at Wayfair.
Comprehensive review with 4.5/5 WalletHub rating. Covers 7% back on Wayfair purchases, financing options, and extremely high 33.49% regular APR. Notes deferred interest model and limited redemption options as major drawbacks.
Detailed review with 2.5/5 rating. Highlights free Wayfair Rewards membership ($29 value), 7% back on Wayfair purchases, and financing options. Warns about extremely high APR (up to 34%) and limited redemption flexibility.
NerdWallet's breakdown of key features including two card versions (Mastercard and store-only), 5% back rewards rate, and signup bonus details.
Community-driven review showing 'strongly not recommended' rating based on 32 user reviews. Highlights deferred interest traps, poor customer service complaints, and rewards-only-at-Wayfair limitation. Notes 29.24% APR and $0 annual fee.
Video review analyzing whether the Wayfair Mastercard is worth applying for in 2026, covering rewards rates, financing options, and drawbacks.
CNET review highlighting 5% back rewards at Wayfair sites and $40 signup bonus on first qualifying order of $250+.
| Source | Verified | Citation |
|---|---|---|
| Allmodern | — | Allmodern |
| RewardsCC API | — | RewardsCC API |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
