Wayfair Credit Card

BreadFinance Pending

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4

Benefits

5

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: wayfair-credit-card

Issuer: BreadFinance

Card Name: Wayfair Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:57

Last Scraped: Feb 07, 2026 03:42

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of credit, including an annual percentage rate cap of 36 percent on the cost of credit.

Rewards Program (Detailed) 5 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 made at eligible grocery stores. No Cap
Gas 2x Cash Back Purchases made at eligible gas stations. No Cap
Dining 2x Cash Back Purchases made at eligible restaurants. No Cap
All Other Purchases 1x Cash Back All other eligible purchases not falling into bonus categories. No Cap
Rewards Summary
PENDING

Reward Type: Wayfair Rewards

Base Rate: 0x

Bonus Rate: 5x

Categories: Wayfair purchases (Wayfair.com, Joss & Main, AllModern, Birch Lane, Perigold)

Quarterly Rotating: No

Expiration Policy: Wayfair Rewards expire 12 months after the date they are issued.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are only redeemable for Wayfair store credit. Minimum redemption increment of $10.

Benefits & Protections (Detailed) 4 Total
PENDING
Financial 1
No Annual Fee
$0

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

Shopping 3
5% Back in Wayfair Rewards
5% back

Earn 5% back in Wayfair Rewards on eligible purchases made with your Wayfair Credit Card at Wayfair and its family of brands (Joss & Main, AllModern, Birch Lane, Perigold). Rewards are issued as Wayfair gift cards in $5 increments and expire 90 days from the date of issuance. This benefit can be chosen instead of special financing on eligible purchases.

Special Financing Offers
Varies by offer

Cardholders can choose special financing on eligible purchases made with their Wayfair Credit Card at Wayfair and its family of brands, instead of earning 5% back in Wayfair Rewards. Offers typically include no interest if paid in full within a specified promotional period (e.g., 6, 12, 18, 24 months). Minimum purchase may be required. Subject to credit approval.

Exclusive Cardholder Offers
Varies by offer

Cardholders receive access to exclusive discounts, promotions, and special offers available only to Wayfair Credit Card members.

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 $250

Timing: Discount will be applied automatically at checkout on your first qualifying purchase.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6, 12, 18 or 24 Months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
640 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Projected for 2026, the Wayfair Credit Card typically offers a sign-up bonus such as a percentage discount on a first qualifying purchase (e.g., 10% off) or a fixed dollar amount off (e.g., $40 off a $250+ purchase). Core benefits include 5% back in rewards on all Wayfair purchases and special financing options (e.g., 0% APR for 6, 12, 18, or 24 months on qualifying purchases). Eligibility requirements generally include being 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a good to excellent credit history. Approval is subject to BreadFinance's credit underwriting standards. Previous cardholders may be ineligible for new sign-up bonuses if they've held the card within a specified timeframe (e.g., 12-24 months).

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases), high cumulative credit limit across multiple BreadFinance/Comenity cards relative to income, sudden drastic changes in spending patterns, repeated late payments or defaults on other credit obligations, suspected fraudulent activity, or abuse of promotional financing terms.

Cliff Effect Rules: Re-application restrictions for sign-up bonuses (e.g., not eligible if you've had the card in the last 12-24 months). BreadFinance may also impose a total credit exposure limit across all its products for a single individual, potentially leading to denials for new applications or credit limit reductions on existing cards if this threshold is reached.

Special Events: Exclusive cardholder-only sales events, anniversary promotions, early access to major sales (e.g., Way Day), bonus rewards categories or increased rewards rates for limited periods, and special financing offers on specific product categories.

Holiday Promos: Way Day (Wayfair's annual sales event, typically April/May), Black Friday/Cyber Monday week, Christmas/Holiday shopping season (November-December), Memorial Day, 4th of July, Labor Day, and Back-to-School season (July-August).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Strong rewards for Wayfair purchases, promotional financing options, relatively accessible for fair credit scores.

Top Negative:
Frequent complaints about Comenity's customer service, high APR, issues with reward redemption, and credit limit management.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • Capital One SavorOne Cash Rewards Credit Card
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Card Value Score: 70.0 / 100

Est. Annual Rewards: $425.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0