Birch Lane Mastercard
Earn 7% back on home furnishings with $0 annual fee
Earn 7% back at Wayfair family brands and save on furniture with flexible financing up to 60 months. Plus, $0 annual fee means rewards never come at a cost.
- Annual Fee
- $0
- discount · Welcome Bonus
- $40
- Highest rate (conditional)
- Up to 7X (Wayfair)
Terms checked against the issuer on November 4, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Rewards Currency
- Wayfair Rewards
- Credit Required
- Good
Welcome Offer
Bonus: $40 discount
Spend: $250
Period: 1 months
Earning Rates
- 7X
Wayfair
7% back in rewards on qualifying items at Birch Lane and Wayfair Family of Brands (5% when using financing)
- 3X
Grocery Stores
3% at grocery stores (excludes convenience stores, gas stations, warehouse clubs, supercenters, discount stores)
- 2X
Online Shopping
2% online purchases (excludes subscriptions, utilities, insurance, medical, government, education, services)
Earning Scenarios
7% back on furnishings across 5 brands
Spend $2,000 on a sectional at Birch Lane = $140 back in Reward Dollars
3% back at grocery stores
Spend $600/month on groceries = $18 back per month ($216/year)
2% back on all online purchases
Spend $500/month on Amazon and online retailers = $10 back ($120/year)
1% back on all other purchases
Spend $1,000/month everywhere else = $10 back ($120/year)
Benefits & Perks
Annual Credits & Statement Credits
1 credits$40
first-year / eligibility-dependent
$40 off your first qualifying order of $250+
Get $40 off your qualifying first Birch Lane order of $250+ when you open a new account. Cannot combine with financing or other discounts.
$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% |
Card Family
Wayfair family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Allmodern Mastercard | entry | — |
Media & Resources
Video Reviews
8 videosWayfair Master Credit Card To Build Credit! Soft Pull Prequalification!
WayFair Business Credit Card - NO CREDIT CHECK - NO PG
Wayfair Credit Card Review 2026 | Worth It or Leave It?
Wayfair Credit Card Review - Is It The Right Fit For Your Wallet?
How to use Wayfair Financing with their Credit Card
Wayfair Credit Cards Review 2025 | Furnish Your Home and Earn Rewards!
PreQualify - 0% APR - Wayfair Credit Cards
Third-Party Articles & Reviews
Wayfair Credit Card Review
Comprehensive review covering rewards, APR, perks, and overall value assessment
Wayfair Mastercard: Full Review [2026]
In-depth analysis of earning rates, benefits, and best use cases for home furnishing shoppers
Wayfair Credit Card Reviews
WalletHub user reviews and expert analysis of 7% back rewards and no annual fee
Wayfair Credit Card: Great Rewards and Free Financing
CNET analysis of the card rewards structure and promotional financing benefits
5 Things to Know About the Wayfair Credit Card
NerdWallet guide covering two card versions, earning mechanics, and welcome offer details
Wayfair Credit Card Reviews: Is It Any Good?
SuperMoney user reviews and recommendation score for the Wayfair card family
Best Store Credit Cards for Home Purchases
US News comparison positioning Wayfair card among top home furnishing store cards
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page | |
| Birch Lane | — | Birch Lane |
| 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.
