Wayfair Credit Card
Basic Information
Program ID: wayfair-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:57
Last Scraped: 01/15/2026 10:30
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| 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: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $40.00
Spending Requirement: $250.00
Time Period: 30 days
Bonus Timing: Discount is applied automatically at checkout for the first qualifying Wayfair purchase that meets the spending requirement within 30 days of account opening.
Rewards Program
Reward Type: Wayfair Rewards Dollars
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Wayfair Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after they are earned.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Wayfair Credit Card, issued by BreadFinance, is primarily designed for purchases at Wayfair.com and its associated brands (Joss & Main, AllModern, Birch Lane, Perigold). Eligibility typically requires a good to excellent credit score (FICO 670+), U.S. residency, a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and being at least 18 years of age. Bonus offers commonly include a percentage off the first qualifying purchase (e.g., $40 off a $250 purchase) or special deferred financing options (e.g., 0% APR for 6-24 months on qualifying purchases over a certain threshold). Store-specific restrictions apply, meaning rewards and financing benefits are generally exclusive to Wayfair purchases.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across all BreadFinance accounts, excessive returns, consistent high utilization on the Wayfair card, missed or late payments, rapid succession of new account openings with BreadFinance, or suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Excellent rewards for frequent Wayfair shoppers, easy approval process, and special financing options available.
Top Negative Feedback:
High annual percentage rate (APR), limited utility outside of Wayfair, and inconsistent customer service experiences with Comenity Bank.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Amazon Store Card
- Capital One QuicksilverOne Cash Rewards Credit Card
- Discover it Cash Back
Card Value Score: 65.0 / 100
Est. Annual Rewards: $125.00
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: 80.0%
Terms Version Control
Version ID: v2024-02