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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.
Up to 7X (Wayfair)
Highest rate (conditional)
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Wayfair Rewards
Credit Required
Good
Bonus: $40 discount
Spend: $250
Period: 1 months
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
Details & Terms
| Purchase APR | 29.74%–33.49% |
| Cash Advance APR | 29.74%–33.49% |
Wayfair family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Allmodern Mastercard | entry | — |
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$0
Comprehensive review covering rewards, APR, perks, and overall value assessment
In-depth analysis of earning rates, benefits, and best use cases for home furnishing shoppers
WalletHub user reviews and expert analysis of 7% back rewards and no annual fee
CNET analysis of the card rewards structure and promotional financing benefits
NerdWallet guide covering two card versions, earning mechanics, and welcome offer details
SuperMoney user reviews and recommendation score for the Wayfair card family
US News comparison positioning Wayfair card among top home furnishing store cards
| Source | Verified | Citation |
|---|---|---|
| Birch Lane | — | Birch Lane |
| 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.
