$0
Annual fee
See the card
Card reviewCiti
Updated Sep 11, 2026 · research
CitiWayfair Rewards
Wayfair Mastercard®
Co-branded Mastercard with no annual fee earning 7% back in Reward Dollars at Wayfair Family of Brands and 3%/2%/1% outside Wayfair.
Entry LevelPersonal
Mastercard
$0
Annual fee
7% back wayfair family of brands
Top rate
N/A
Foreign fee
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
Earning Rates
Wayfair Family of Brands
7%cash back
On qualifying items at Wayfair Family of Brands websites, mobile applications and stores excluding outlet stores when promotional financing is not applied.
Wayfair Family of Brands with financing
5%cash back
On eligible purchases when promotional financing is applied.
Wayfair Family of Brands with flexible financing
5%cash back
On eligible purchases at Wayfair Family of Brands when promotional financing is applied.
Wayfair Family of Brands with promotional financing
5%cash back
5% back in rewards on eligible purchases where promotional financing is applied
grocery stores
3%cash back
On net qualifying purchases at grocery stores outside Wayfair sites and stores.
online purchases
2%cash back
On qualifying online purchases via a computer network not made at Wayfair sites or stores.
qualifying online purchases
2%cash back
2% back on qualifying online purchases outside Wayfair sites and stores
everywhere else
1%cash back
On all other net qualifying purchases made with the Mastercard outside Wayfair sites and stores.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
APR Information
- Purchase APR
- 33.49%
- Balance Transfer APR
- 33.49%
- Cash Advance APR
- 33.49%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
6 benefits
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
The Wayfair Mastercard, issued by Citibank, N.A., has no annual fee and offers a choice on qualifying items at the Wayfair Family of Brands (Wayfair, Joss & Main, AllModern, Birch Lane and Perigold) of 7% back in rewards or flexible financing with 5% back in rewards, plus free automatic enrollment in Wayfair Rewards. Outside Wayfair it earns 3% back at grocery stores, 2% back on qualifying online purchases and 1% back everywhere else Mastercard is accepted. New cardmembers can get $40 off a qualifying first order of $100 or more.
Ready to Decide?
Apply for the Wayfair Mastercard®
Current offer available with no annual fee.
We link to the issuer. Rewardopedia is not paid on this application until a program is approved. That never changes our editorial inclusion, rankings, or verdicts.
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Rewards program
Wayfair Rewards
Earns Cash Back
Card Categories
ShoppingCo-brandedNo Annual FeeGroceriesEveryday spending
Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them with automated checks.
Last updated:
How it's checked
Analyzed by the Rewardopedia Engine.
Data Quality
- 6 of 6 benefits rated high confidence
- 6 source citations across benefits
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
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