Detailed Instructions on How to Apply for Wayfair Credit Card



Wayfair is a popular online retailer that specializes in home goods. If you’re a Wayfair shopper, you may enjoy the Wayfair credit card, which offers special financing and rewards. The Wayfair credit card is issued by Comenity Bank and is available to those with fair credit or better, which means a credit score of about 640 or higher.

How to Apply for Wayfair Credit Card Online

It’s easy to apply for Wayfair credit card online.

  1. First, visit their website at
  2. Click the button near the bottom right corner saying “Apply.”
  3. On the next page, click the green button on the left that says “Apply Now.”
    You will need to sign into your Wayfair account to apply. If you don’t have a Wayfair account, you will need to create one.
  4. For either option, enter your email address on the next page. Click “Continue.”
  5. On the next page, if you don’t have an account, create a password. If you do have an account, click “Sign In.”

Follow the prompts to finish your application.

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Other Ways to Complete a Wayfair Credit Card Application

You can also complete a Wayfair credit card application by phone. You can call them at 1-866-513-57-95.

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Wayfair Credit Card Rewards Program

Wayfair offers two options for rewards each time you order using your Wayfair credit card. You can either get 5 percent cash back or get special financing for up to 36 months.

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Wayfair Credit Card FAQs

What is the APR for a Wayfair credit card?
The APR is variable based on the Prime Rate, but is typically around 29.99 percent.

Can I transfer a balance?
Since the Wayfair card is a store card, you can’t transfer a balance onto the card.

Is there an annual fee?
There is no annual fee for the Wayfair credit card.

Is there a late fee?
If your payment isn’t received on time, you can be charged a late fee of up to $40.

Can I avoid paying interest?
You can avoid paying interest if you pay off your new balance in full each month.

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Wayfair Credit Card Reviews

Reviews for the Wayfair credit card are mixed. The special financing is helpful, but if you don’t pay off your purchase by the end of your financing period, you’ll be charged all the interest that’s accumulated on your purchase. The APR is also relatively high. If you shop a lot at Wayfair, or if you have a rocky credit history, you may enjoy the benefits this card offers.

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User Rating: 4 (5 votes)
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