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7% back on every AllModern purchase with $0 annual fee
The AllModern Mastercard earns 7% back in Reward Dollars on qualifying purchases across Wayfair, AllModern, Joss & Main, Birch Lane, and Perigold — plus 3% at grocery stores and 2% on online shopping. With $0 annual fee and free Wayfair Rewards membership ($29/yr value), frequent Wayfair shoppers can save significantly on home furnishing purchases. Keep in mind that rewards are only redeemable at Wayfair Family of Brands and the 29.74%-33.49% APR is steep.
$0
Annual Fee
7X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
AllModern
Credit Required
Good
7X
7% back in Reward Dollars at AllModern and Wayfair Family of Brands (5% if promotional financing applied)
3X
3% at grocery stores (1% at convenience stores, gas stations, warehouse clubs, supercenters, discount stores)
2X
2% qualifying online purchases (excludes subscriptions, utilities, insurance, medical, government, education, services)
Spend $2,000/year at AllModern on furniture and decor — earn $140 back in Reward Dollars.
Spend $500/month on groceries — earn $180/year in Reward Dollars for your next home purchase.
Spend $300/month on qualifying online shopping — earn $72/year in Reward Dollars.
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Credit Utilization (60%)
Details & Terms
| Purchase APR | 29.74%–33.49% (Variable) |
| Cash Advance APR | 29.74%–33.49% (Variable) |
Media & Resources
7% back on every AllModern purchase with $0 annual fee
The AllModern Mastercard earns 7% back in Reward Dollars on qualifying purchases across Wayfair, AllModern, Joss & Main, Birch Lane, and Perigold — plus 3% at grocery stores and 2% on online shopping. With $0 annual fee and free Wayfair Rewards membership ($29/yr value), frequent Wayfair shoppers can save significantly on home furnishing purchases. Keep in mind that rewards are only redeemable at Wayfair Family of Brands and the 29.74%-33.49% APR is steep.
$0
Annual Fee
7X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
AllModern
Credit Required
Good
7X
7% back in Reward Dollars at AllModern and Wayfair Family of Brands (5% if promotional financing applied)
3X
3% at grocery stores (1% at convenience stores, gas stations, warehouse clubs, supercenters, discount stores)
2X
2% qualifying online purchases (excludes subscriptions, utilities, insurance, medical, government, education, services)
Spend $2,000/year at AllModern on furniture and decor — earn $140 back in Reward Dollars.
Spend $500/month on groceries — earn $180/year in Reward Dollars for your next home purchase.
Spend $300/month on qualifying online shopping — earn $72/year in Reward Dollars.
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Credit Utilization (60%)
Details & Terms
| Purchase APR | 29.74%–33.49% (Variable) |
| Cash Advance APR | 29.74%–33.49% (Variable) |
Media & Resources
7% back on every AllModern purchase with $0 annual fee
The AllModern Mastercard earns 7% back in Reward Dollars on qualifying purchases across Wayfair, AllModern, Joss & Main, Birch Lane, and Perigold — plus 3% at grocery stores and 2% on online shopping. With $0 annual fee and free Wayfair Rewards membership ($29/yr value), frequent Wayfair shoppers can save significantly on home furnishing purchases. Keep in mind that rewards are only redeemable at Wayfair Family of Brands and the 29.74%-33.49% APR is steep.
$0
Annual Fee
7X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
AllModern
Credit Required
Good
7X
7% back in Reward Dollars at AllModern and Wayfair Family of Brands (5% if promotional financing applied)
3X
3% at grocery stores (1% at convenience stores, gas stations, warehouse clubs, supercenters, discount stores)
2X
2% qualifying online purchases (excludes subscriptions, utilities, insurance, medical, government, education, services)
Spend $2,000/year at AllModern on furniture and decor — earn $140 back in Reward Dollars.
Spend $500/month on groceries — earn $180/year in Reward Dollars for your next home purchase.
Spend $300/month on qualifying online shopping — earn $72/year in Reward Dollars.
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Credit Utilization (60%)
Details & Terms
| Purchase APR | 29.74%–33.49% (Variable) |
| Cash Advance APR | 29.74%–33.49% (Variable) |
Media & Resources
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$24
Critical review of the Wayfair Mastercard highlighting restrictive redemption options, sky-high 26.99% APR, and deferred interest financing risks. Notes the card offers 5% back at Wayfair brands and 3% at groceries, but rewards can only be used at Wayfair.
Comprehensive review with 4.5/5 WalletHub rating. Covers 7% back on Wayfair purchases, financing options, and extremely high 33.49% regular APR. Notes deferred interest model and limited redemption options as major drawbacks.
Detailed review with 2.5/5 rating. Highlights free Wayfair Rewards membership ($29 value), 7% back on Wayfair purchases, and financing options. Warns about extremely high APR (up to 34%) and limited redemption flexibility.
Community-driven review showing 'strongly not recommended' rating based on 32 user reviews. Highlights deferred interest traps, poor customer service complaints, and rewards-only-at-Wayfair limitation. Notes 29.24% APR and $0 annual fee.
Video review analyzing whether the Wayfair Mastercard is worth applying for in 2026, covering rewards rates, financing options, and drawbacks.
NerdWallet's breakdown of key features including two card versions (Mastercard and store-only), 5% back rewards rate, and signup bonus details.
CNET review highlighting 5% back rewards at Wayfair sites and $40 signup bonus on first qualifying order of $250+.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$24
Critical review of the Wayfair Mastercard highlighting restrictive redemption options, sky-high 26.99% APR, and deferred interest financing risks. Notes the card offers 5% back at Wayfair brands and 3% at groceries, but rewards can only be used at Wayfair.
Comprehensive review with 4.5/5 WalletHub rating. Covers 7% back on Wayfair purchases, financing options, and extremely high 33.49% regular APR. Notes deferred interest model and limited redemption options as major drawbacks.
Detailed review with 2.5/5 rating. Highlights free Wayfair Rewards membership ($29 value), 7% back on Wayfair purchases, and financing options. Warns about extremely high APR (up to 34%) and limited redemption flexibility.
Community-driven review showing 'strongly not recommended' rating based on 32 user reviews. Highlights deferred interest traps, poor customer service complaints, and rewards-only-at-Wayfair limitation. Notes 29.24% APR and $0 annual fee.
Video review analyzing whether the Wayfair Mastercard is worth applying for in 2026, covering rewards rates, financing options, and drawbacks.
NerdWallet's breakdown of key features including two card versions (Mastercard and store-only), 5% back rewards rate, and signup bonus details.
CNET review highlighting 5% back rewards at Wayfair sites and $40 signup bonus on first qualifying order of $250+.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$24
Critical review of the Wayfair Mastercard highlighting restrictive redemption options, sky-high 26.99% APR, and deferred interest financing risks. Notes the card offers 5% back at Wayfair brands and 3% at groceries, but rewards can only be used at Wayfair.
Comprehensive review with 4.5/5 WalletHub rating. Covers 7% back on Wayfair purchases, financing options, and extremely high 33.49% regular APR. Notes deferred interest model and limited redemption options as major drawbacks.
Detailed review with 2.5/5 rating. Highlights free Wayfair Rewards membership ($29 value), 7% back on Wayfair purchases, and financing options. Warns about extremely high APR (up to 34%) and limited redemption flexibility.
Community-driven review showing 'strongly not recommended' rating based on 32 user reviews. Highlights deferred interest traps, poor customer service complaints, and rewards-only-at-Wayfair limitation. Notes 29.24% APR and $0 annual fee.
Video review analyzing whether the Wayfair Mastercard is worth applying for in 2026, covering rewards rates, financing options, and drawbacks.
NerdWallet's breakdown of key features including two card versions (Mastercard and store-only), 5% back rewards rate, and signup bonus details.
CNET review highlighting 5% back rewards at Wayfair sites and $40 signup bonus on first qualifying order of $250+.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
