AllModern Mastercard
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.
- Annual Fee
- $0
- discount · Welcome Bonus
- $40
- Highest rate (conditional)
- Up to 7X (Allmodern)
Terms checked against the issuer on November 4, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Rewards Currency
- AllModern
- Credit Required
- Good
Welcome Offer
Bonus: $40 discount
Spend: $250
Period: 1 months
Earning Rates
- 7X
Allmodern
7% back in Reward Dollars at AllModern and Wayfair Family of Brands (5% if promotional financing applied)
- 3X
Grocery Stores
3% at grocery stores (1% at convenience stores, gas stations, warehouse clubs, supercenters, discount stores)
- 2X
Online Shopping
2% qualifying online purchases (excludes subscriptions, utilities, insurance, medical, government, education, services)
Earning Scenarios
7% back at AllModern & Wayfair brands
Spend $2,000/year at AllModern on furniture and decor — earn $140 back in Reward Dollars.
3% back at grocery stores
Spend $500/month on groceries — earn $180/year in Reward Dollars for your next home purchase.
2% back on qualifying online purchases
Spend $300/month on qualifying online shopping — earn $72/year in Reward Dollars.
Benefits & Perks
Annual Credits & Statement Credits
1 credits$40
first-year / eligibility-dependent
$40 off your first order of $250+
Get $40 off your qualifying first AllModern order of $250+ when you open a new account. Cannot be combined with financing.
$40
One-time
Insurance & Protections
2 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesThe Math: Is $0 Worth It?
First-year value includes $40 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 29.74%–33.49% (Variable) |
| Cash Advance APR | 29.74%–33.49% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Video Reviews
8 videosWayfair Credit Card Review 2026 | Worth It or Leave It?
WayFair Business Credit Card - NO PG - NO CREDIT CHECK
$2,000 Credit Card Approval - PreQualify - 0% APR - Wayfair Credit Cards
What Is The Difference Between The Wayfair Credit Card And The Wayfair Mastercard?
Wayfair Credit Card Review - Is It The Right Fit For Your Wallet? (Pros And Cons Explained)
Wayfair Credit Cards Review 2025 | Furnish Your Home and Earn Rewards!
How To Apply For Wayfair Credit Card 2024 | Wayfair Credit Card Application Guide
Third-Party Articles & Reviews
Wayfair Mastercard®: Full Review [2026]
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.
Wayfair Credit Card Review
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.
Wayfair Credit Card Reviews
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.
Wayfair Credit Card Reviews: Is It Any Good? (2026)
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.
5 Things to Know About the Wayfair Credit Card
NerdWallet's breakdown of key features including two card versions (Mastercard and store-only), 5% back rewards rate, and signup bonus details.
Wayfair Credit Card Review 2026 | Worth It or Leave It?
Video review analyzing whether the Wayfair Mastercard is worth applying for in 2026, covering rewards rates, financing options, and drawbacks.
Wayfair Credit Card: Great Rewards and Free Financing for...
CNET review highlighting 5% back rewards at Wayfair sites and $40 signup bonus on first qualifying order of $250+.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page | |
| Allmodern | — | Allmodern |
| RewardsCC API | — | RewardsCC API |
| Wayfair | Wayfair |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
