Wayfair Mastercard®
A no-annual-fee cash back card from Citi.
Rates, fees, and full terms are set by Citi and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Wayfair Mastercard pays 7% back in rewards across Wayfair, AllModern, Birch Lane, Joss & Main, and Perigold, plus 3% at grocery stores, 2% on online purchases, and 1% everywhere else, with no annual fee. For anyone furnishing a home, 7% on furniture adds up fast.
The 3% grocery rate is better than most store cards offer, so it can earn its keep between furniture orders. All of it comes back as Wayfair Reward Dollars, though, so it only makes sense if you will keep buying from Wayfair's family of brands.
Think twice if: you buy from Wayfair once in a while, since every reward is a Wayfair Reward Dollar that only spends there.
Our 4.7 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 7% back at Wayfair's family of brands, 3% at grocery stores, 2% on qualifying online purchases, and 1% everywhere else. On a Wayfair purchase you can instead take flexible financing and earn 5%. Rewards post as Wayfair Reward Dollars that spend like cash across Wayfair's sites and stores. On big furniture purchases the 7% is excellent; on everyday spending the card is middling.
| Category | Rate | Notes |
|---|---|---|
| Groceries | 3x | Bonus category |
| Dining and restaurants | 1x | Base rate |
| Gas | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: Rewards post as Wayfair Reward Dollars, which spend like cash but only across Wayfair's family of brands. The 2% on online purchases is not modeled in our calculator. Choosing special financing on a Wayfair purchase drops that purchase from 7% to 5% back.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 7% back at Wayfair and its sister brands
- 3% back at grocery stores
- Financing option with 5% back
- No annual fee
- Rewards only spend at Wayfair brands
- Only 1% on most other purchases
- Small welcome discount
The welcome bonus
New cardholders get $40 off their first Wayfair order of $100 or more, through February 1, 2027. It is a small, easy discount if you already have an order in mind.
First-year value vs ongoing value
| Welcome bonus | $40 off your first Wayfair order of $100 or more |
| To earn it | first qualifying order (offer ends February 1, 2027) |
| Est. first-year value* | $452 |
| Est. ongoing value / yr* | $412 |
The welcome bonus makes year one the high point: roughly $452 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $412 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Or choose flexible financing with 5% back on qualifying Wayfair purchases
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
Get the Wayfair Mastercard if you are setting up a home and expect to spend real money at Wayfair, AllModern, or Birch Lane. The 7% back and the grocery rate make it a sensible companion card.
Skip it if Wayfair is an occasional purchase. The Reward Dollars only work there, and a flat cash back card serves everyday spending better.
Alternatives to the Wayfair Mastercard®
Pairs well with
The Wayfair Mastercard® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Wayfair Mastercard® lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
