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Advantages
Open a personal Wayfair Credit Card today and enjoy1:
- No Money Down & Special Financing on Orders Over $5005
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$40 OFF Your
First Order of $250
or More3 - Points on Every Order to Redeem for Rewards Dollars4
Have questions or prefer to apply over the phone?
Special Offer For You
48-Month Finance Option available on all Tempur-Pedic, Stearns & Foster, and Sealy mattress purchases over $2,4986
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Frequently Asked Questions
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Where can I use my Wayfair Card?
Your Wayfair Card can be used at Wayfair, Joss & Main, AllModern, Birch Lane, DwellStudio, and Wayfair Supply.
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Is special financing5 available on my Wayfair Card?
We're excited to offer 12 month special financing on orders totaling $500+ (excluding sales tax, shipping, and discounts), making it easy to pay over time.5 To receive special financing, simply select the option at checkout and pay with your personal Wayfair Card. See details.
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Can I combine my $40 offer with other promotions?
Your $40 offer may be used only on your first order with the Wayfair Card and cannot be combined with any other discounts, including the special financing offer. Wayfair Business / Trade Services members are not eligible to receive this offer.
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How do I earn Rewards Dollars?4
Every time you make a purchase on your personal Wayfair Card at one of our retail sites, you'll earn points that you can redeem for Rewards Dollars to be used on a future order.
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Where can I spend my Rewards Dollars?
Points can be redeemed into Rewards Dollars that can be used on any of our retail sites.
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How will I receive my Wayfair Card?
Applying online is fast and easy. If approved, we'll automatically add your new personal Wayfair Card to checkout so that you can use it today. You will receive your card within 10 days via US mail.
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How can I manage my account?
Check your Rewards Dollars balance, update your address, and check order status by logging into My Account on any of our retail sites. To pay your bill or change your banking information, visit www.comenity.net/wayfaircard
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I've seen a promotional financing plan advertised in the past, but can't find it now. Is it still available?
Promotional financing is offered on a periodic basis, similar to clearance sales. Please always check to see how long the promotion is offered. We offer every day special financing for 12 months5 on orders above $500.
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I received a different financing plan at checkout from what I was expecting. What happened?
If your Cart qualifies for multiple financing plans, we'll automatically apply the best financing plan that your Cart is eligible for since each order is limited to a single financing offer. Unfortunately, we are not able to retroactively change the applied plan after you submit your order. If you would like to enjoy separate financing plans, please place multiple orders.
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As a Wayfair Business / Trade Services member, am I eligible to apply for a Wayfair Card?
As a Wayfair Business / Trade Services member, you can apply for a personal Wayfair Card by completing the application with your personal information (name, home address, personal phone number, etc.). Applications submitted with information specific to your business will not be processed. Please note that this is a personal credit card account.
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What benefits do I receive as a Wayfair Business / Trade Services member?
In addition to your preexisting benefits as a Wayfair Business / Trade Services member, you will be eligible to earn Rewards Dollars4 or receive special 12-month financing5. Due to the special pricing associated with your Wayfair Business / Trade Services account, you are not eligible for our $40 offer with the Wayfair Card.
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Will there be more financing options offered to Wayfair Business / Trade Services members?
Currently, the 12-month financing offer5 is the only available option for Wayfair Business / Trade Services members as a part of the personal credit card offerings. You may have access to a Purchase Order payment option. Please check with your business account manager directly to learn more about Purchase Orders.
1Subject to final credit approval
1Subject to credit approval. Wayfair Credit Card accounts are issued by Comenity Bank.
2Subject to final credit approval. Click Here fore important Rate, Fee, and Other cost information. Comenity Bank issues Wayfair Credit Card accounts.
3Offer applies to first order only. Order total must exceed $250 (excluding sales tax, shipping, and other discounts). Cannot be combined with any other offer, including financing offers. Wayfair Business / Trade Services customers are not eligible for this offer. See full terms.
3Subject to credit approval. Wayfair Credit Card accounts are issued by Comenity Bank. Offer applies to first order only. Order total must exceed $250 (excluding sales tax, shipping, and other discounts). Cannot be combined with any other offer, including interest-free financing offers. See full terms.
4Rewards cannot be earned in combination with special financing. The Wayfair Card Benefits Program is provided by Wayfair and its terms may change at any time. For full Wayfair Card Benefits Terms and Conditions please click here.
4Rewards points are accurate as of 02/04/2017. Rewards balance may not reflect points from transactions made within 2 days. Rewards cannot be accrued when redeeming special financing offer. The Wayfair Card Benefits Program is provided by Wayfair and its terms may change at any time. For full Wayfair Card Benefits Terms and Conditions please click here.
5No interest if paid in full within 12 months. Interest will be charged to your account (at the standard variable APR) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of $500 (excluding sales tax, shipping, and other discounts). Exclusions apply. See full terms. Wayfair Credit Card Accounts are offered by Comenity Bank who determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $25.00. Minimum Interest Charge is $2.00. Standard variable APR of 27.49%, based on the Prime Rate.
5Promotional financing available with Wayfair Credit Card Accounts offered by Comenity Bank which determines qualifications for credit and promotion eligibility. $500 minimum purchase and minimum monthly payments are required (excluding sales tax, shipping, and other discounts). See full terms. Exclusions apply.
6Interest will be charged to your account (at the standard, variable APR) from the end of the promotional period on the remaining balance if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase divided by the number of months in the promotional period, (rounded up to the nearest $1.00); or $5. Required minimum purchase of $2498. Exclusions apply. See full terms.
6Promotional financing available with Wayfair Credit Card Accounts offered by Comenity Bank which determines qualifications for credit and promotion eligibility. $2,498 minimum purchase and minimum monthly payments are required. See full terms. Exclusions apply.
7Please note: Available Credit is accurate as of last login
