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Earn 7% back on home furnishings with $0 annual fee
Earn 7% back at Wayfair family brands and save on furniture with flexible financing up to 60 months. Plus, $0 annual fee means rewards never come at a cost.
$0
Annual Fee
7X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Wayfair Rewards
Credit Required
Good
7X
7% back in rewards on qualifying items at Birch Lane and Wayfair Family of Brands (5% when using financing)
3X
3% at grocery stores (excludes convenience stores, gas stations, warehouse clubs, supercenters, discount stores)
2X
2% online purchases (excludes subscriptions, utilities, insurance, medical, government, education, services)
Spend $2,000 on a sectional at Birch Lane = $140 back in Reward Dollars
Spend $600/month on groceries = $18 back per month ($216/year)
Spend $500/month on Amazon and online retailers = $10 back ($120/year)
Spend $1,000/month everywhere else = $10 back ($120/year)
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 | —% |
| Cash Advance APR | —% |
Wayfair family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Allmodern Mastercard | entry | — |
Media & Resources
Earn 7% back on home furnishings with $0 annual fee
Earn 7% back at Wayfair family brands and save on furniture with flexible financing up to 60 months. Plus, $0 annual fee means rewards never come at a cost.
$0
Annual Fee
7X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Wayfair Rewards
Credit Required
Good
7X
7% back in rewards on qualifying items at Birch Lane and Wayfair Family of Brands (5% when using financing)
3X
3% at grocery stores (excludes convenience stores, gas stations, warehouse clubs, supercenters, discount stores)
2X
2% online purchases (excludes subscriptions, utilities, insurance, medical, government, education, services)
Spend $2,000 on a sectional at Birch Lane = $140 back in Reward Dollars
Spend $600/month on groceries = $18 back per month ($216/year)
Spend $500/month on Amazon and online retailers = $10 back ($120/year)
Spend $1,000/month everywhere else = $10 back ($120/year)
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 | —% |
| Cash Advance APR | —% |
Wayfair family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Allmodern Mastercard | entry | — |
Media & Resources
Earn 7% back on home furnishings with $0 annual fee
Earn 7% back at Wayfair family brands and save on furniture with flexible financing up to 60 months. Plus, $0 annual fee means rewards never come at a cost.
$0
Annual Fee
7X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Wayfair Rewards
Credit Required
Good
7X
7% back in rewards on qualifying items at Birch Lane and Wayfair Family of Brands (5% when using financing)
3X
3% at grocery stores (excludes convenience stores, gas stations, warehouse clubs, supercenters, discount stores)
2X
2% online purchases (excludes subscriptions, utilities, insurance, medical, government, education, services)
Spend $2,000 on a sectional at Birch Lane = $140 back in Reward Dollars
Spend $600/month on groceries = $18 back per month ($216/year)
Spend $500/month on Amazon and online retailers = $10 back ($120/year)
Spend $1,000/month everywhere else = $10 back ($120/year)
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 | —% |
| Cash Advance APR | —% |
Wayfair family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Allmodern Mastercard | entry | — |
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
Comprehensive review covering rewards, APR, perks, and overall value assessment
In-depth analysis of earning rates, benefits, and best use cases for home furnishing shoppers
NerdWallet guide covering two card versions, earning mechanics, and welcome offer details
CNET analysis of the card rewards structure and promotional financing benefits
US News comparison positioning Wayfair card among top home furnishing store cards
WalletHub user reviews and expert analysis of 7% back rewards and no annual fee
SuperMoney user reviews and recommendation score for the Wayfair card family
| 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
Comprehensive review covering rewards, APR, perks, and overall value assessment
In-depth analysis of earning rates, benefits, and best use cases for home furnishing shoppers
NerdWallet guide covering two card versions, earning mechanics, and welcome offer details
CNET analysis of the card rewards structure and promotional financing benefits
US News comparison positioning Wayfair card among top home furnishing store cards
WalletHub user reviews and expert analysis of 7% back rewards and no annual fee
SuperMoney user reviews and recommendation score for the Wayfair card family
| 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
Comprehensive review covering rewards, APR, perks, and overall value assessment
In-depth analysis of earning rates, benefits, and best use cases for home furnishing shoppers
NerdWallet guide covering two card versions, earning mechanics, and welcome offer details
CNET analysis of the card rewards structure and promotional financing benefits
US News comparison positioning Wayfair card among top home furnishing store cards
WalletHub user reviews and expert analysis of 7% back rewards and no annual fee
SuperMoney user reviews and recommendation score for the Wayfair card family
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
