Why Should You Apply for Wayfair Credit Card: How To

With Wayfair credit card and Mastercard now being issued by Citibank, you may find it a bit confusing trying to apply for Wayfair credit card. To put your mind at ease, we will be explaining how already existing cardholders of the Comenity-issued Wayfair card, and new intending applicants, can apply for the Wayfair credit card.

Apply for Wayfair Credit Card

Recently, Wayfair launched two new credit cards with Citi, and retired Comenity Bank, which was the first issuer of the Wayfair card. Launched in partnership with Citi on September 11, 2020, both the Wayfair Mastercard and the new Wayfair credit card are now available for no annual fee.

Both cards offer the choice of earning rewards on spending or receiving no-interest financing for up to 24 months.

According to Larry Lataif, who is head of U.S. consumer financing for Wayfair, in a news release, “With the Wayfair Credit Card and Wayfair Mastercard, we are also able to reward our loyal customers, with more added perks and benefits than ever before”.

He said the company is pleased to partner with Citi Retail Services in a bid to make it even more rewarding for its customers to create a home they love.

Why Should You Apply for the Wayfair Credit Card?

You can apply for the Wayfair credit card if you are considering taking some furniture shopping. Since the card is a store card that can be used at Wayfair, it will offer you, a medium of earning rewards on your purchases or in financing them.

Note, however, that this type of card will only benefit you much if you are a brand loyalist who shops often at Wayfair because of the limited rewards earning and redemption opportunities. Store credit cards, tend to have lower credit limits and high APRs.

On the other hand, the Wayfair Mastercard, offers rewards for grocery, online and general purchases. So it can come in handy for that category.

If before now you already have the old Wayfair credit card from Comenity Bank, and find it useful, you’ll get a much better deal from Citi.

Apply for Wayfair Credit Card

If you interested in knowing how to apply for the Wayfair Mastercard and new Wayfair credit card, you can learn all about the process from this page. We are going to show you how to apply as a new applicant as well as how to apply as an already existing cardholder of the Comenity-issued Wayfair card.

Whether you are interested in applying for the new Wayfair credit card or the Wayfair Mastercard, what you need to know is that, you only need to submit one application to be considered for both cards. Thereafter, upon approval, you have the option of choosing one card over the other.

In determining whether or not a private label which is the Wayfair credit card or the co-branded retail credit card which is the Wayfair Mastercard is right for you, largely depends on the following – Your spending habits and rewards preferences.

Existing Cardholders of the Comenity-issued Wayfair Card

For existing cardholders of the Wayfair Credit Card Program, according to Comenity Bank, had through September 10, 2020, to use their account. After which, open accounts were closed. The good news is, that existing cardholders have a full year (through September, 10, 2021), to redeem their remaining rewards.

For more information on the program, you can contact Comenity Bank Customer Care’s phone number for more details on the program closure.

To apply online, you have to register. To register:

  • Visit the Citi Retail Services page
  • In the fields provided, enter your card number
  • Enter your name as it appears on your card
  • Enter your security code
  • Provide the last 4 digits of the primary cardholders’ SSN
  • Click on the “Verify” link.
  • Choose between the Wayfair credit card or the Wayfair Mastercard.

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