MastercardWayfair Mastercard
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.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 7xWayfair family of brands
- 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 June 2026 and actually improved: 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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