Wayfair Mastercard® from Citi: annual fee, APR and rewards

Fact sheet for the Wayfair Mastercard®, issued by Citi, with no annual fee and cash back. 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
Network	Mastercard
Annual fee	$0
Rewards	Cashback: 7% back in rewards on qualifying items at the Wayfair Family of Brands, or flexible financing with 5% back in rewards. Outside Wayfair: 3% back at grocery stores, 2% back on qualifying online purchases, 1% back everywhere else.
Purchase APR	Wayfair Mastercard® Purchase APR: variable 33.74%
Balance transfer fee	The greater of $10 or 5% of the amount of each transfer
Sign-up bonus	$40 off your qualifying first order of $100+ when you open a new Wayfair Credit Card. Offer ends 2/1/2027
Foreign transaction fee	3% of each transaction
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.