Wayfair Inc. is a US-based company headquartered in Boston, Massachusetts. The e-commerce company was established in 2002, and there are currently over 11000 global suppliers and 14 million items.
Wayfair specializes in home goods, furniture, etc., and the company operates five retail brands, which are as follows: Birch Lane, Perigold, Joss & Main, AllModern, and Wayfair. The offices and warehouses of Wayfair are located in the United Kingdom, the United States, Germany, Canada, and Ireland.
The company was initially registered as CSN Stores, which was changed to Wayfair after the launch of Wayfair.com in 2011. Wayfair has also won the award for fastest-growing private eCommerce by Boston Business Journal and #4 fastest-growing private company overall.
Wayfair also offers its customers credit cards to do shopping with more freedom. The credit cards of Wayfair allow the customers to earn rewards on every dollar spent as well as avail the financing solutions from the company.
In today’s article, we will discuss the requirements for a Wayfair credit card, the application process, paying the bills, and much more. So let’s get into it.
What Is Wayfair Credit Card?
Wayfair credit card program is for the customers of the company who shop at any of the five brands run by Wayfair Inc. The customer loyalty program of Wayfair offers two types of credit cards that all customers can order.
Wayfair Inc. has partnered with Citibank to issue and manage credit card solutions for their customers. There is no separate application for both cards, but every applicant is considered for both types of cards. If someone doesn’t qualify for the Mastercard, he would be considered for a store card of Wayfair.
Features Of Wayfair Cards
Here are the main features of both types of Wayfair credit cards:
Wayfair Credit Card
The main features of the Wayfair credit card are as follows:
Store-Only Card
Wayfair credit card is a closed-loop store-only card. It means that you can shop with your Wayfair credit card at any of the five brands of Wayfair Inc. If you want to use a credit card other than the Wayfair brands, it won’t work.
Welcome Bonus
If you get approved for a Wayfair credit card, you are entitled to a welcome bonus of a $40 discount on eligible purchases. Your first order of $250+ entitles you to a flat $40 off your total bill.
No Annual Fee
There is no annual or maintenance fee for keeping the Wayfair credit card issued by Citibank. It is a great feature as you don’t have to worry about having an additional credit card with you.
Rewards At Wayfair
Since the Wayfair credit card is part of the customer loyalty program, the credit card also entitles the cardholders to rewards on all purchases made at Wayfair.com or any of the five brands. Every dollar spent on any of the five brands gives you 5% cash back in your rewards. These rewards never expire, and you can use them for future purchases.
Interest-Free Financing Solutions
If you choose to avail of Wayfair’s financing plans, you get interest-free financing for up to 24 months against the qualifying purchases. You won’t have to pay a single buck in interest if you pay your bill in full for up to 24 months.
Flexible Financing Choices
Wayfair’s choice of financing plans has not been limited to 12 months or 24 months plans. Instead, you can avail of financing plans for up to 60 months on orders of above $3000. The APR for long-term financing options of Wayfair is 9.99%.
Wayfair Mastercard
If we talk about Wayfair Mastercard, most of the features and benefits equate to the Wayfair credit card, but it also has some extras. So here are the main features of Wayfair Mastercard
Rewards
When you get approved for the Wayfair Mastercard, you get access to the rewards on every purchase, equal to 5% of the purchase value. Besides the cashback on purchases at Wayfair, Mastercard holders are entitled to additional rewards, which are as follows:
3% cash back on qualifying purchases at grocery stores
2% cash back on the qualifying purchases made online
1% cash back on all purchases with Wayfair Mastercard
Worldwide Acceptability
The Mastercard is accepted at millions of stores and shops worldwide. It means that you can use your Wayfair Mastercard worldwide for purchases.
Flexible Financing Options
Wayfair’s choice of financing plans has not been limited to 12 months or 24 months plans. Instead, you can avail of financing plans for up to 60 months on orders of above $3000. The APR for long-term financing options of Wayfair is 9.99%.
Welcome Bonus
If you get approved for a Wayfair credit card, you are entitled to a welcome bonus of a $40 discount on eligible purchases. Your first order of $250+ entitles you to a flat $40 off your total bill.
No Annual Fee
There is no annual or maintenance fee for keeping the Wayfair credit card issued by Citibank. It is a great feature as you don’t have to worry about having an additional credit card with you.
How To Qualify For Wayfair Card?
If you are wondering about the qualification requirements and criteria to start your Wayfair card application, here are the general requirements to be fulfilled by credit card applicants:
- Your age should be above 18 years
- You should be a permanent resident of the United States
- You should have a physical address in the US
- You must have a legal identity document issued by the government of the US
- You must have a source of income to support your expenses
If you want to know about the factors that can increase your chances of getting approved, here are some important points:
- Good to excellent credit score; 640+ score for Wayfair credit card and 700+ score for Wayfair Mastercard
- Low debt-to-income ratio
- No recent bankruptcies
How To Apply For Wayfair Credit Card?
Here is the step-by-step guide on how to apply for your Wayfair credit card or Mastercard:
- Visit the official webpage of Wayfair credit card here.
- Scroll down and click on Apply Now button against the Wayfair card. It will redirect you to the new webpage.
- Enter your email address to start the application process.
- After you have signed in, provide the personal information, contact information, and financial information in the required fields.
- Review the terms and conditions of Wayfair and Citibank, and click on Submit Application button.
Register For Online Access
The first thing you have to do after receiving your Wayfair credit card or Wayfair Mastercard is set up your online account to manage your account and activate the card. Here is the step-by-step guide to registering for online access to Wayfair cards:
- Visit the official webpage of Citibank for the Wayfair card here.
- Enter your credit card number to get started, and click on Continue.
- Enter the required information in the empty fields on the next page. It includes your SSN, date of birth, and postal code. Click on Continue.
- Follow the on-screen prompts and provide the required information.
- Create your UserID and Password for future logins.
- Verify the contact details, and you’re good to go!
Activate Your Wayfair Credit Card
Once you have received your Wayfair credit card or Wayfair Mastercard, you will need to activate it before making purchases. So here is how you can activate your Wayfair credit card easily:
Via Web Browser
- Visit the official webpage of Citibank for Wayfair card activation here.
- Enter the username and password in the empty fields and click on the Sign-in button.
- Once logged in, go to the Manage My Cards section from the main menu.
- Choose your Wayfair credit card or Mastercard and click on Activate Now.
- Enter the card number and your personal information to verify the card.
- Follow the on-screen prompts and complete the credit card activation process.
Via Wayfair Mobile App
You can also activate your Wayfair credit card with Wayfair mobile app, and here is how:
- Install the Wayfair app on your mobile phone and sign up for the Wayfair account.
- Go to Manage Cards from the main menu and select the card you want to activate.
- Choose the Activate Card option, and provide the card information and your personal details.
- Follow the on-screen prompts and complete the activation process.
How To Pay Wayfair Card Bills?
Here are different ways you can use to pay your Wayfair card bills:
Online
Login to your Wayfair card account with Citibank using the credentials you added during the registration process. Go to the Payments section from the main menu and choose the credit card bill payment. Provide the bill details and details of your checking account from which the bill will be paid. Verify the information and payment schedule. Complete the payment, and the bill amount will be deducted from your checking account.
Via Phone
The second option for you is to call on the customer service number of Wayfair and follow the on-call instructions to complete the payment. The customer service number of Wayfair is as follows:
1 800 365 2714
Via Mail
You can also send payment checks or money orders to the mailing address of Wayfair, which are as follows:
Citi Retail Services
PO Box 70267
Philadelphia, PA 19176-0267
Wayfair Credit Card
Overnight Delivery/Express Payments
Attn: Consumer Payment Dept.
400 White Clay Center Dr
Newark, DE 19711
Customer Service Of Wayfair
Phone
Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 1 800 365 2714
Alternatively, you can send your credit card-related queries to the mailing address of Citibank
Citi Retail Services
PO Box 70267
Philadelphia, PA 19176-0267
Wayfair Credit Card
Overnight Delivery/Express Payments
Attn: Consumer Payment Dept.
400 White Clay Center Dr
Newark, DE 19711