Citibank, N.A.Nationwide

Wayfair Mastercard

No annual fee

Purchase APR: 33.49% APR
Foreign transaction fee: 3%
Intro APR: —
Targeted credit: Building (<620) · Fair–Good (620–719) · Excellent (720+)

Rewards rates

🛒3% Groceries & supermarketsEarn 3% back in Rewards at grocery stores outside the Wayfair Family of Brands.
📦2% Online retailEarn 2% back in Rewards on qualifying online purchases outside Wayfair sites.
💳1% All purchasesEarn 1% back in Rewards on all other purchases with the Wayfair Mastercard.

Welcome offer

$40
after $100 spend · Get $40 off your first Wayfair order of $100 or more when you open the Mastercard.

APR & fees: CFPB Terms of Credit Card Plans survey (as of 2025-12-31). Rewards: issuer public pages (collected 2026-08-31) — every figure above appears verbatim in the source; terms shown may lag issuer changes.

Informational comparison only — not financial advice and not an offer of credit. We don't check your credit or guarantee approval. Confirm current terms with the issuer.