Wayfair Credit Card

The Wayfair Credit Card is issued by Comenity Bank. This isn’t a traditional credit card, it’s more of a store specific card as it can only be used at Wayfair, Joss & Main, AllModern, Birch Lane, DwellStudio, and Wayfair Supply stores.

Wayfair Credit Card (1)

Wayfair Credit Card

Open a personal Wayfair Credit Card today and enjoy1: No annual fee8, $40 off your first order, of $250 or more, 3% back in rewards, on qualifying orders, $0 down and 6- or 12-month financing on eligible orders.

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Alternative Rewards Credit Cards

AMAZON PRIME REWARDS VISA SIGNATURE CARD

  • Requires active Prime membership
  • Cash back can be redeemed at Amazon.com checkout
  • Earn 5% back at Amazon.com
  • Earn 2% back at gas stations, restaurants, and drugstores
  • Earn 1% back on all other purchases
  • Get a $70 Amazon.com Gift Card instantly upon credit card approval

Citi® Double Cash Card

The Citi® Double Cash Card is an interesting cash back credit card with a unique offer.It offers 1% cash back on purchases when they are initially made, and then an additional 1% when those purchases are actually paid for. With no annual fee and a 18-month introductory APR of 0% on balance transfers, this is, by the numbers, one of the most rewarding general-purpose cash back credit cards available.

Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards Credit Card offers a cash back reward of 1.5%, for no annual fee.If your credit limit is $5,000 or above you’ll get a Visa Signature card with upgraded benefits, like travel and shopping discounts. The Luxury Hotel Collection is included as well, with good perks for travelers. If your credit limit is less than that, you’ll get a Visa Platinum with more basic benefits.There’s also a 15-month 0% intro APR for both purchases and balance transfers, giving you a while to pay off a balance at no interest.

Discover it® Miles

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Store Credit Cards

Sears Card

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Sears Mastercard® with Shop Your Way

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Disney Premier Visa Card

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Forever 21 Credit Card

The Wayfair Credit Card is issued by Comenity Bank. This isn’t a traditional credit card, it’s more of a store specific card as it can only be used at Wayfair, Joss & Main, AllModern, Birch Lane, DwellStudio, and Wayfair Supply stores.

1. What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards allow cardholders to earn and redeem points when making purchases. Store credit cards appear first before credit cards because department stores used to offer special offers to customers to reward their loyalty to a particular store or brand. In addition to the standard rewards program, store credit cards offer in-store discounts and special rewards. Store credit cards have a cash back feature that gives you a discount when you spend money on the retailer's card.

2. What are the benefits of store credit cards?

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

3. What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

4. How to use a store credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Take advantage of sign-up bonuses

Many reward credit cards provide sign-up bonuses, please remember to take advantage of sign-up bonuses before they expire.

Maximize your rewards

Reward credit cards offer many ways to help you to save money on everyday items and big-ticket purchases. Keep an eye out for earning double or triple rewards opportunities. In addition, you need to know when your reward points will expire.

Use two store rewards credit cards

Business credit cards can earn points when shopping in specific stores or buying a certain type of merchandise. So it is a good idea to apply for store credit cards according to your shopping habits to get more rewards. For example, if you are a Walmart regular for daily necessities, and you also need to fuel the car, you can prepare one Walmart credit card and one gas rewards card. But we don’t recommend you to take out too many cards at once, because each credit card application may make your credit score lower. So it’s best to add credit cards slowly and allow your credit to build over time.

Plan and budget

It is easy to become impulsive in getting rewards. Don’t spend more than your budget. Earning rewards is not a valid reason to go over your budget.

Pay your bill in full on time

Many store rewards credit cards provide rewards program, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

What Wayfair Credit Cards Are Available?

The Wayfair credit card is a " credit-based bespoke customer loyalty program" "that can be used to purchase products from five different brands of Wayfair :Wayfair, Joss & Main, AllModern, Birch Lane and residential studio.With each use of the credit card shopping, customers will receive a bonus dollar that can be applied to future purchases.Those who use credit CARDS can also get special treatment, such as special financing, discounts on certain products, and even a $40 discount on first orders worth $250 or more.

Wayfair credit card is ideal for customers who often choose one of Wayfair's many brands to carry on shopping, hoping to get more from each shopping.

Benefits of Wayfair Credit Card

If you're a fan of online shopping, the Wayfair credit card is a great option.

you bought a lot in Wayfair.By using the Wayfair credit card, you can get a 3 percent refund on all items purchased at Wayfair or its partner store.You can only use that money to buy stuff in these stores, so only those who regularly make the Wayfair shopping get the full benefit.

you'll need more time to repay the large amount of furniture you bought.It's normal to spend thousands of dollars to fill a new apartment or house, and Wayfair's credit card payment plan allows you to get a special financing deal when buying a commodity.If the purchase amount is more than $1,500, you will need up to 18 months to pay it off without paying any interest, provided you have to pay off the full amount in that time.

Drawbacks of Wayfair Credit Card

While the Wayfair credit card looks like a good choice, it also has some downsides and dangers.

Poor signing bonus.When you sign up for a Wayfair credit card, you can save $40, but you have to spend $250 to save.Worse, you can't combine a $40 discount with a special financing plan offered by your credit card.Given that many other CARDS offer sign-up bonuses worth hundreds of dollars, the proposal is not satisfying.

Special financing is actually a risky deferred interest scheme.The fine print of the cardholder agreement is a straight line, if you do not pay the full asset purchase 0% interest period, you will be subject to all interest and you will have to pay if you do not have a special financing agreement.This means you have to pay up before the special financing period is over or you won't get any benefit at all.In fact, you will receive a surprise bill that far exceeds your expectations.

Should You Get the Wayfair Credit Card?

The Wayfair card could be a good choice for frequent shoppers who expect to buy most (if not all) of their furniture from Wayfair.For those who want a more flexible credit card (and have a good enough credit score to get approval for other credit CARDS), consider applying for a mainstream credit card that offers a healthy cash return rate.

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