No need to pick between the cards, either. When you apply, you’ll be considered for both the Wayfair Credit Card and Wayfair Mastercard. Depending on your creditworthiness, you’ll be issued either the store card or the Mastercard version. And neither card has an annual fee.
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Supported stores
The Wayfair Credit Card: Can only be used with Wayfair and its affiliates (AllModern, Birch Lane, Joss & Main, and Perigold)The Wayfair Mastercard:Can be used anywhere Mastercard is accepted.
Rewards programs
The two cards also differ in their reward programs: In addition to earning 5% cash back, consumers will get $40 off their first order of $250 or more. Consumer’s should note that purchases at Perigold are not eligible for this offer, and it can’t be combined with any other discounts. Keep in mind, cardholders will have to choose to either earn 5% cash back and the welcome offer, or to opt in to the no interest financing options. Here are the available financing options:
6 months no interest financing for orders over $19912 months no interest financing for orders over $49918 months no interest financing for orders over $149924 months no interest financing for orders over $2999
In order to avoid a potentially huge payment by not paying the balance off in time, be sure you’re making more than just the minimum payment. It’s a good idea to calculate just how much you’d have to pay each month in order to get it paid off with a month or two left to spare. And until 9/30/22, cardholders can choose from these additional financing options as well:
9.99% APR for 36 months on orders over $2,9999.99% APR for 48 months on orders over $3,9999.99% APR for 60 months on orders over $4,999
