Wayfair Credit Card

Cardmember Perks:

  • Free shipping every day, even under $49*
  • Flexible financing OR 3% back in rewards on eligible purchases.*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit, Average Credit Personal $0* N/A* N/A* 28.49%* Store Specific


Quick Summary:
This is a Store rewards card, issued by Comenity Bank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. Rates may vary among applicants, however the lowest standard APR is 28.49%* (Variable)*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases, according to the offer details.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 580 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Comenity Bank product.

Other Basics:
This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Our Editor's Commentary:
The Wayfair credit card terms are not clear. Finance Globe assumes that there is no annual fee. Credit card use is limited to a chain of stores, including Wayfair, Joss & Main, AllModern, Birch Lane, and Perigold.

Special financing is available with this card. This information is likely to change, and offer promotional rates. Please see the offer for complete and current details.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 580, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
There are no reviews. If you have experience, you can write one now.
It's fast and easy to compare card offers by the criteria you require. That way you get the best card for your needs. Find more credit cards.