The Mister Finance recommendation - Wayfair credit card review (2024)

FAQs

Is the Wayfair credit card hard to get? ›

You can get the Wayfair Store Card with a fair credit score of 640+, while the Wayfair Mastercard Credit Card requires a good credit score of 700+. The two cards share an application, and you can choose the card you want if you get approved for both. You can check your credit score for free on WalletHub.

Yes, the Wayfair Store Card will do a hard pull when you apply for it. This might negatively affect your credit score for a little while. You'll need at least fair credit to be considered eligible for this card. Fortunately, you can check if you pre-qualify without hurting your credit score.

You can earn 5% back in rewards on Wayfair purchases

Both the Wayfair Credit Card and the Wayfair Mastercard can earn 5% back in rewards when you use it to make a purchase on any Wayfair site.

It can take as little as a minute to get approved for the Wayfair Store Card. If you don't get instantly approved, it usually takes 7-10 business days to receive a decision on your application.

The Wayfair credit card program switched partnering banks in 2020, moving from Comenity Bank to Citibank. Certain Wayfair credit card customers were sent replacement cards that were issued by Comenity but unaffiliated with Wayfair, while others had their accounts closed.

No, you cannot use your Wayfair Store Card everywhere, as you can only use it for purchases across all Wayfair retail sites. This credit card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.

The Wayfair Mastercard can also be used anywhere Mastercard is accepted.

You can use the card for Wayfair purchases before it arrives, though. Your Wayfair Credit Card information will become available in your Wayfair account after approval, so you can start using it right away. If your card doesn't arrive after 10 business days, then give customer service a call at (800) 365-2714.

You'll likely want to know your FICO^® Auto Scores, the industry specific scores used in the majority of auto financing-related credit evaluations. Applying for a credit card? You'll likely want to know your FICO^® Bankcard Scores or FICO Score 8, the score versions used by many credit card issuers.

Why is Wayfair so much cheaper? ›

Minimal overhead: By operating primarily online, Wayfair avoids the hefty costs associated with physical stores, such as rent and staffing. This translates to lower prices for customers. Private label brands: Wayfair produces its own line of furniture, often manufactured at lower costs overseas.

We've partnered with several leading financial service providers, including Affirm, Bread Financial, Acima, and Katapult, to offer you compelling financing or leasing offers for which you're qualified.

The Wayfair Mastercard® has stricter approval requirements, and it usually takes a credit score of at least 650 to get it. If you're approved for both cards, you'll be able to choose the one you want. Remember that Wayfair offers a prequalification tool on its website, and using it doesn't affect your credit score.

9.99% APR for 36 months* on orders over $1,599. 9.99% APR for 48 months* on orders over $1,799. 9.99% APR for 60 months* on orders over $1,999. *With credit approval for qualifying purchases made on the Wayfair Credit Card or Wayfair Mastercard at participating Wayfair sites.

Jamie Thompson, WalletHub Analyst

To get approved for the Walmart Credit Card, you will need a credit score of 640 or above (fair credit or better).

You need a credit score of 640 or higher to get a Comenity Bank credit card in most cases. That means you need at least fair credit to get approved. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit).

The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you'll need a score of about 640 or higher. And since the average person's credit score is about 40 points above that, these cards are well within reach for most of us.

For any questions, please contact Comenity Bank Customer Care at 1-844-271-2567 (TDD\/TTY: 1-800- 695-1788). We apologize for any inconvenience. The Wayfair Credit Card Program, issued by Comenity Bank, has ended. Your Account is no longer valid for new transactions.