Wayfair is a well-known American e-commerce chain of home improvement and home decor items, furniture, and many more. Wayfair offers two credit cards to its customer. One is for exclusive Wayfair purchases and the other one is the Wayfair Master Card. The Wayfair Credit card is offered with the association of Citi Bank. If you use this credit card, while shopping with Wayfair, you could get exciting cash-back offers, earn points, and other paybacks. For availing of these facilities, you just have to apply for your Wayfair Credit Card and login to your respective Wayfair Credit Card account.
In this article, we will provide a vivid description of how to apply for a Wayfair Credit Card, how to login to your card account, how to register your account for online access, Wayfair Credit Card bill payment procedures, how to retrieve your account login credentials and much more. If you are new to Wayfair Credit Card or willing to apply, we are sure you will find it useful.
Wayfair Credit Card Benefits
Below we have mentioned some of the benefits of having a Wayfair Credit Card –
- You could get $ 40 off on your first qualifying purchase of $250 or more from Wayfair by using your Wayfair Credit Card.
- The bonus points that you will earn with your Wayfair Credit Card will never expire and you can avail of them any time you want.
- You will get 5% cashback as a reward for buying Wayfair products with your Wayfair Credit Card.
- You will get a 24-monthly finance system on your qualifying purchases if you use this Wayfair Credit Card Service. No interest will be charged if you pay the entire amount within 24 months.
- You will get 3% cashback as a reward for buying grocery products with your Wayfair Master Card.
- You will get 2% cashback as a reward for buying online products with your Wayfair Master Card.
- You will get 1% cashback as a reward for buying any other products with your Wayfair Master Card.
- You can use your Wayfair Credit Card for shopping from all Wayfair stores, Wayfair online sites, and Wayfair brands. Whereas Wayfair Master Card could be used for all kinds of Wayfair purchases as mentioned above, and other sectors too where MasterCard is accepted.
Wayfair Credit Card Rates & Interest
- The Purchase APR of Wayfair Credit Card as of 02/07/2023 is 31.49% and this rate is variable as per the market.
- Balance Transfer APR with Wayfair Credit Card is 31.49% and this rate is variable as per the market.
- The Cash Advance APR of Wayfair Credit Card is 29.99 % and this rate is variable as per the market.
- The minimum interest charge is $ 2.
- No Annual Fee is there for Wayfair Credit Cards.
- The Balance Transfer Fee is either $10 or 5% of the amount of each transfer, whichever is greater.
- The Cash Advance Fee is either $10 or 5% of the amount of each transaction, whichever is greater.
- The Foreign Transaction Fee is 3% of the amount of each transaction after conversion to U.S. Dollars.
- The late payment is up to $ 40.
- Your payment due date for the Wayfair Credit card is 25 days after the completion of each billing cycle.
How to Apply For Wayfair Credit Card
Applying for a Wayfair Credit Card is absolutely easy. For that, follow the steps below:
- Visit www.wayfair.com/wayfaircard
- When the Wayfair Credit Card page will open, there you will see the Apply Now button at the banner of the page.
- Click on the Apply now button you will be redirected to a new page where you will be asked to enter your Email Id to create an account at the Wayfair Credit Card login portal. Enter your email ID and click on Continue.
- Thereafter, you need to Create a Password to complete the account creation at Wayfair Portal. Then click on the Create Account button to proceed further.
- On the next page, enter your Mobile number to verify your identity.
- After that, again you will be taken back to the home page from where you have started and once again you have to click on the Apply Now button to get the application window
- In the Application Window, you need to enter the following information – First Name, Middle Initial, Last Name, Email ID and Phone Number (in case you don’t have an account at Wayfair portal), Complete Address, Residential Status, Monthly Housing Payment, Date of Birth, SSN and Total Annual Net Income.
- Then read the Terms & Conditions of Wayfair Credit Card carefully and if you are ok with all the claws, click on the Submit Application button to complete your Wayfair Credit Card Application.
- You will get a confirmation mail against your online application after completing the above process successfully.
Wayfair Credit Card Account Set-Up
Now, after receiving your Wayfair Credit Card, the first thing that you need to do is to set up an account for your Wayfair Credit Card. For that, follow the steps below:
- Visit www.wayfair.com/wayfaircard
- When the Wayfair Credit Card page appears, you will get a link below the Apply now button as Manage Your Account. Click on the link.
- On the next page, click on Set up Your Account button and you will be redirected to another page where you have to provide a few information.
- Enter your Card number, name (exactly how it appears on the card) Security Code, and the last 4 Digits of the Primary Card holder’s SSN. Then click on Verify button.
- Follow the on-screen prompts to set up your Wayfair Credit Card account successfully.
Wayfair Credit Card Login Guide
The next step after you have successfully set up your Wayfair Credit Card online account is the account Sign-On process so that you can access your card and get all of its benefits as mentioned above. For the account Sign-On process of the Wayfair Credit card, you can refer to the below-mentioned process:
- Visit www.wayfair.com/wayfaircard
- Click on the Manage Your Account link and you will be redirected to wayfair.com/citimanageaccount page.
- you will find the ‘Sign On’ section at the center left-hand side of the page.
- Enter your User Id and Password of your Wayfair Credit Card account.
- Click on the Sign-On button to complete the log-in process.
- Before you click on the Sign-On button, you can tick the Remember My User ID box, if your device is personal and safe remember your Wayfair Credit Card account details for future log-in reference.
How to Retrieve Your Wayfair Credit Card Login Credentials
If you have forgotten the User ID & Password of your Wayfair Credit card online account, then you can easily reset them by quick steps as mentioned below:
- When the Sign On section appears, you will see the ‘Retrieve User ID’ and ‘Reset Password’ links below the ‘Sign On’ button.
- If you have forgotten your User ID, click on the Retrieve User ID link. And you will be redirected to another page.
- Enter your Wayfair Credit Card Number, Name as It appears on the Card, Security Code, and Last 4 Digits of the Primary Card holder’s SSN in the given spaces.
- After entering the required information, you have to click on the Verify button.
- The Wayfair Credit Card Login portal will search for your account and on the next step, you will be able to reset your User ID.
- If you have forgotten and need to reset the Password of your Wayfair Credit Card account, then you need to click on the Reset Password link.
- A new page will open where you need to enter your Wayfair Credit Card Number, Name (as it appears on Card), Security Code, and the last 4 digits of your SSN.
- After entering the required information, you have to click on the Verify button.
- The Wayfair portal will search for your account and on the next step, you will be able to reset your password.
How to Make Wayfair Credit Card Payment
Once you start using your Wayfair Credit Card, you have to pay the monthly bill within the due date to maintain a good credit record. You can pay your bill online by logging in to your account or by setting up Autopay and even by mail. Here are all three processes to pay your bill.
Pay Your Wayfair Credit Card Bill Online
- Visit www.wayfair.com/wayfaircard
- After logging in to your Wayfair Credit Card account, you will see the payment option there in the dashboard. You just need to select that option from the Wayfair Credit Card account dashboard, enter the due payment amount and click on Payment.
Wayfair Credit Card Bill Payment By Autopay
- When you log in to your Wayfair Credit Card account, you will see there is an option for AutoPay.
- If you avail of this option, your payment will be automatically sent on the scheduled date of every month.
Make Wayfair Payment By Mail
You can pay your Wayfair Credit Card payment by mail. For that, you need to get a paper check of your savings or checking account. Write down the amount you want to pay on your credit card account and send it to the address below:
Citi Retail Services
PO Box 70267
Philadelphia, PA 19176-0267
Also, you can visit your nearest Citi Bank branch and ask for assistance regarding the Wayfair Credit Card bill payment.
Wayfair Credit Card Contact Options
For telephonic assistance regarding your Wayfair Credit Card, call the customer help desk 24 hours whenever you require at 1 -800 -365 -2714, TTY: 1-877-354-0002
Frequently Asked Questions About Wayfair Credit Card
Where can I use my Wayfair Credit Card?
You can use your Wayfair MasterCard everywhere Mastercard is accepted. And your Wayfair Credit Card can be used on all Wayfair retail sites such as wayfair.com, jossandmain.com, allmodern.com, birchlane.com, and perigold.com.
Can I avail financing option with my Wayfair Credit Card?
Yes, both Wayfair Credit Card and Wayfair MasterCard are eligible for financing options.
- 6 months of financing on orders above $199.00.
- 12 months of financing on orders above $499.00.
- 18 months of financing on orders above $1499.00.
- 24 months of financing on orders above $2999.00.
Note: All are valid through 04/30/2023. For further information feel free to contact the 24×7 customer service at 1 -800 -365 -2714, TTY: 1-877-354-0002.
What will happen with my earned rewards if I close my Wayfair Credit Card?
If you close your Wayfair Credit Card, you will no longer be eligible to access your earned rewards.
How long does it take to get my Wayfair Credit Card?
You will receive your Wayfair MasterCard within 7-10 business days from the day of approval. And in the case of the Wayfair Credit Card, you will receive a postal mail with your digital account information within 7-10 business days.