Wayfair Mastercard
By Alex Compton · Last verified
7% back at Wayfair with grocery and online categories on the side.
Welcome Bonus
5,000
≈$50 value
Spend Requirement
$100
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $50 off your first Wayfair order of $100 or more on approval
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 5,000 | $100 in 0 mo | Bonus increased: 4,000 → 5,000 · Spend: $0 → $100$50 off first Wayfair order of $100 plus | Archive record · no attached snapshot |
| 2024-01 | 4,000 | No recorded spend | Earliest record$40 off first qualifying Wayfair order | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-08-31 · spot an outdated offer? Report a correction above.
Earning Rates
- 7xWayfair family of brandsDrops to 5% if you choose promotional financing
- 3xGrocery stores
- 2xQualifying online purchases outside Wayfair
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦7% back at Wayfair, Joss & Main, AllModern, Birch Lane and Perigold
- ✦Works anywhere Mastercard is accepted, unlike the store-only Wayfair Credit Card sibling
- ✦3% grocery is unusual generosity for a retail cobrand
Why it earns its spot
- +7% store rate is among the highest of any cobrand
- +Grocery and online categories add everyday value
- +No annual fee
Where it costs you
- −Reward Dollars only spend at Wayfair brands
- −Choosing financing cuts the store rate to 5%
- −Wayfair APRs run brutal, near 30% or higher
The Compound Verdict
Verified alive as of August 2026 and unchanged: 7% at Wayfair plus 3% grocery is real money for people furnishing a house. The trap is the same as every store card, rewards locked to the retailer and an APR that erases everything if you carry a balance.
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