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Wayfair Mastercard® from Citi Review

Wayfair Mastercard® from Citi — all information about the credit card.

Updated February 17, 2025
Advertiser Disclosure Our Methodology
Citi Wayfair Mastercard®
Learn more
Our Rating:
3.66 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back in Rewards at Wayfair.
    • 3% Cash Back at grocery stores.
    • 2% Cash Back on online purchases.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $40 Off your first order of $250 or more.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    31.24% Variable
  • Balance Transfer APR:
    31.24% Variable
Show more

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Citi Wayfair Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Wayfair purchases
$
3%
Groceries
$
2%
Online shopping
$
1%
All other purchases
$
Have you already recieved the Citi intro bonus?
Calculate
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All benefits

  • Cash back
    • 5% At Wayfair.
    • 3% At grocery stores.
    • 2% On online purchases.
    • 1% On all other purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 31.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 31.24% Variable
  • APR for Cash Advances
    • 29.99% Variable

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • $10 or 5% of the amount of each transfer
  • Fees for Cash Advances
    • $10 or 5% of the amount of each cash advance
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • Foreign Transaction Fee
  • High APR

Features

Classic
Mastercard
  • No Annual Fee
  • Cashback
  • Rewards
  • Good Credit
  • Excellent Credit

About the issuer

Citi
Citi has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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See Another Credit Cards in the Bank

Citi Wayfair Mastercard® is an option for those, who need Classic features. With an APR of 31.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Citi Wayfair Mastercard® you will get such features as No Annual Fee, Cashback, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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