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Friday, October 23, 2026 Independent since 2026. We are not a lender.

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Wayfair Credit Card from Citi: annual fee, APR and rewards

Fact sheet for the Wayfair Credit Card, issued by Citi, with no annual fee. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Citi
Annual fee	$0
Rewards	7% back in rewards on qualifying items at the Wayfair Family of Brands, or flexible financing with 5% back in rewards.
Purchase APR	Wayfair Credit Card Purchase APR: variable 33.74%
Sign-up bonus	$40 off your qualifying first order of $100+ when you open a new Wayfair Credit Card. Offer ends 2/1/2027
Credit level	Excellent, Good, Poor (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 33.49%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. citi.com/credit-cards/wayfair-credit-cards · citi.com/gcgapi/prod/public/v1/prelogin/di…

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