Wayfair Mastercard
Basic Information
Program ID: 024
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 07:06
Last Scraped: 01/15/2026 05:19
Fee Structure
| Year 1 Waived: | No |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $40.00
Spending Requirement: $250.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on your top eligible spend category each billing cycle, up to $500 spend. Eligible categories include: Restaurants, Gas Stations, Grocery Stores, Travel, Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, Live Entertainment. 1x on all other purchases.
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: Aeromexico Club Premier, Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club. Hotel partners: Choice Privileges, Wyndham Rewards.
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Eligibility for the welcome bonus on the '024' card requires applicants to not have received a bonus for any card within the same '024' card family in the past 24 months. Citibank also generally enforces an 8/65 rule, meaning applicants can typically only be approved for one new credit card account within an 8-day period and no more than two new credit card accounts within a 65-day period. Applicants must also meet standard creditworthiness criteria, including a good to excellent credit score, sufficient income, and a low debt-to-income ratio.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Citibank products, frequent large balance transfers followed by immediate payments, rapid account opening and closing (churning), suspicious spending patterns (e.g., excessive gift card purchases), failure to pay on time, or providing inaccurate information on applications.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Users frequently praise the 5% back in Wayfair Rewards on all purchases, the availability of special financing options for larger orders, and the card's utility for frequent Wayfair shoppers looking to maximize savings on home goods.
Top Negative Feedback:
Common criticisms include high interest rates if promotional financing terms are not met, limited value outside of Wayfair purchases, and occasional issues with customer service or account management.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Amazon Store Card
- Target RedCard
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0