Wayfair Credit Card

Citibank Pending

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4

Benefits

4

Reward Categories

5x

Max Reward

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APR From
Basic Information
PENDING

Program ID: 024

Issuer: Citibank

Card Name: Wayfair Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 07:06

Last Scraped: Feb 08, 2026 15:17

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Wayfair Purchases 5x Cash Back Purchases made at Wayfair.com, Joss & Main, AllModern, Birch Lane, and Perigold. No Cap
Groceries 3x Cash Back Purchases at grocery stores. No Cap
Utilities 2x Cash Back Purchases for utility services. No Cap
All Other Purchases 1x Cash Back All other eligible purchases made with the Wayfair Mastercard. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The Wayfair Credit Card does not charge an annual fee for card membership.

Shopping 3
Wayfair Rewards Program
5% back in Wayfair Rewards

Cardmembers earn 5% back in Wayfair Rewards on all eligible purchases made at Wayfair.com and its family of brands. Rewards can be redeemed for future Wayfair purchases.

Special Financing Options
0% APR for 6, 12, 18, or 24 months

Cardmembers have the option to choose 0% APR financing for 6, 12, 18, or 24 months on qualifying orders, instead of earning Wayfair Rewards. Specific terms and minimum purchase amounts apply.

New Cardmember Welcome Offer
$40 off first order

New cardmembers receive $40 off their first qualifying order of $250 or more when they open and use their Wayfair Credit Card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$40

Cash Back

Requirement: Spend $40 in 30 days

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $0.50
Additional Fees
PENDING
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Supported
Application Process
Available
Not Available
Experian, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for welcome bonuses on Citibank cards, including the '024', is subject to the 24-month rule: applicants must not have received a welcome bonus for a card within the same product family (e.g., ThankYou, Custom Cash) in the past 24 months. Additionally, Citibank enforces application velocity rules, generally limiting new applications to no more than one card every 8 days and no more than two cards every 65 days. All applicants must meet Citibank's standard creditworthiness criteria, including a strong credit score, stable income, and a favorable debt-to-income ratio.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across all Citibank products, sudden large purchases inconsistent with historical spending patterns, multiple product changes/conversions in a short period, defaulting on other Citibank accounts.

Cliff Effect Rules: The primary cliff effect is the '24-month rule'. Earning a welcome bonus on any card within a specific Citibank product family (e.g., ThankYou, Custom Cash) renders the cardholder ineligible for a bonus on any other card within that *same family* for 24 months from the date the previous bonus was earned. This necessitates careful planning to maximize bonuses across different card families or to time applications appropriately.

Special Events: Not Applicable - '024' is a general-purpose Citibank credit card, not a store-specific card.

Holiday Promos: Citibank frequently offers targeted promotions and spending bonuses, often aligning with major shopping seasons (e.g., Q4 holiday shopping, summer travel, back-to-school periods) and specific merchant categories.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Great rewards for frequent Wayfair shoppers, special financing options available, useful for home decor enthusiasts, accepted anywhere Mastercard is.

Top Negative:
High interest rates, rewards are primarily for Wayfair purchases, customer service can be slow, not competitive for general spending outside Wayfair.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • Capital One SavorOne Cash Rewards Credit Card
  • Chase Freedom Unlimited

Card Value Score: 65.0 / 100

Est. Annual Rewards: $125.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 2023-10-01