CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Both cards cost $0/yr. The AllModern Mastercard is better for allmodern, while the Birch Lane Mastercard wins on wayfair brands. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | AllModern Mastercard | Birch Lane Mastercard |
|---|---|---|
| Allmodern | 7X | 1X |
| Wayfair Brands | 1X | 7X |
| Grocery Stores | 3X | 3X |
| Online Shopping | 2X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Both cards win in 1 categories each — it comes down to which categories matter most to you.
Allmodern
AllModern Mastercard earns 7X vs 1X
Wayfair Brands
Birch Lane Mastercard earns 7X vs 1X
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Both cards cost $0/yr. The AllModern Mastercard is better for allmodern, while the Birch Lane Mastercard wins on wayfair brands. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | AllModern Mastercard | Birch Lane Mastercard |
|---|---|---|
| Allmodern | 7X | 1X |
| Wayfair Brands | 1X | 7X |
| Grocery Stores | 3X | 3X |
| Online Shopping | 2X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Both cards win in 1 categories each — it comes down to which categories matter most to you.
Allmodern
AllModern Mastercard earns 7X vs 1X
Wayfair Brands
Birch Lane Mastercard earns 7X vs 1X
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
Both cards cost $0/yr. The AllModern Mastercard is better for allmodern, while the Birch Lane Mastercard wins on wayfair brands. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | AllModern Mastercard | Birch Lane Mastercard |
|---|---|---|
| Allmodern | 7X | 1X |
| Wayfair Brands | 1X | 7X |
| Grocery Stores | 3X | 3X |
| Online Shopping | 2X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Both cards win in 1 categories each — it comes down to which categories matter most to you.
Allmodern
AllModern Mastercard earns 7X vs 1X
Wayfair Brands
Birch Lane Mastercard earns 7X vs 1X
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
