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paid in full up to 24 months on qualifying orders. Refer to the Rewards section
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No interest financing if paid in full up to 24 months on qualifying orders1

On each order, choose between either 5% back in Rewards at Wayfair. Refer to the
Rewards section of disclosure number one. Or choose No interest financing if
paid in full up to 24 months on qualifying orders. Refer to the Rewards section
of disclosure number one. Applicable to both the Wayfair Mastercard and Wayfair
Credit Card.

Plus, your choice between two perks on each order:Plus, your choice between two
perks on each order:

Earn Wayfair Rewards on qualifying purchases1 everywhere else you shop.
With the Wayfair Mastercard, earn 3% at grocery stores, 2% on online purchases,
and 1% everywhere else.

3% at grocery stores

With the Wayfair Mastercard, earn 3% at grocery stores, 2% on online purchases,
and 1% everywhere else.

Earn Wayfair Rewards on qualifying purchases<sup class="WfccSuperscript
WfccSuperscript--small">1</sup> everywhere else you shop.
With the Wayfair Mastercard, earn 3% at grocery stores, 2% on online purchases,
and 1% everywhere else.

2% online

With the Wayfair Mastercard, earn 3% at grocery stores, 2% on online purchases,
and 1% everywhere else.

Earn Wayfair Rewards on qualifying purchases<sup class="WfccSuperscript
WfccSuperscript--small">1</sup> everywhere else you shop.
With the Wayfair Mastercard, earn 3% at grocery stores, 2% on online purchases,
and 1% everywhere else.

1% everywhere else

With the Wayfair Mastercard, earn 3% at grocery stores, 2% on online purchases,
and 1% everywhere else.

Earn Wayfair Rewards on qualifying purchases<sup class="WfccSuperscript
WfccSuperscript--small">1</sup> everywhere else you shop.


FREQUENTLY ASKED QUESTIONS

 * Where can I use my Wayfair credit card?
   
   The Wayfair Credit Card and Wayfair Mastercard can be used across all Wayfair
   retail sites: wayfair.com, jossandmain.com, allmodern.com, birchlane.com, and
   perigold.com. The Wayfair Mastercard can also be used anywhere Mastercard is
   accepted.
 * Do I have to choose which Wayfair credit card to apply for?
   
   Nope! The Wayfair credit cards share one easy application. When you apply,
   you will be considered for both the Wayfair Credit Card and the Wayfair
   Mastercard. If you’re approved for both, you will be able to choose the card
   you want.
 * How does applying impact my credit score?
   
   Submitting a full application will create a “hard inquiry” on the credit
   bureau used, which may impact your credit score at that bureau. If you aren’t
   eligible for a Wayfair credit card, your application may also be considered
   by our Wayfair Financing network of alternative lenders and Lease-to-Own
   partners.
 * Is financing available with my Wayfair credit card?
   
   
   Financing options are available across all Wayfair retail sites with the
   Wayfair Credit Card and Wayfair Mastercard. See below for currently available
   plans. To apply financing, use your Wayfair Credit Card or Wayfair Mastercard
   to pay and select your desired financing plan at checkout. If your order
   qualifies for multiple financing plans, you will be presented with eligible
   options and can select one to apply to your order. If you would like
   different financing plans for each product in your order, please place
   multiple orders.
   
   No Interest Financing if paid in full up to 24 months1
   Interest will be charged to your account from the purchase date if the
   purchase balance is not paid in full within the promotional period. Valid
   through 01/05/22.
    * 6 month1 Financing on orders over $99
    * 12 month1 Financing on orders over $499
    * 18 month1 Financing on orders over $1499
    * 24 month1 Financing on orders over $2999
   
   *With credit approval for qualifying purchases made on the Wayfair Credit
   Card or Wayfair Mastercard at Wayfair sites. Additional monthly payments may
   be required if you have other balance or late payments. See card agreement
   for details. Offer valid for consumer accounts in good standing. Promotional
   financing orders will not earn Rewards and are not eligable for the
   introductory offer.
   Major Purchase Plans*
   Valid through 01/05/22.
    * 0% APR for 36 months* on orders over $1999
    * 9.99% APR for 48 months* on orders over $3999
    * 9.99% APR for 60 months* on orders over $4999
   
   *With credit approval for qualifying purchases made on the Wayfair Credit
   Card or Wayfair Mastercard at Wayfair sites. Additional monthly payments may
   be required if you have other balances or late payments. See card agreement
   for details. Offer valid for consumer accounts in good standing. May not be
   combined with introductory, rewards or other credit promotion offers.
 * I've seen a financing plan advertised in the past, but can't find it now. Is
   it still available?
   
   Some promotional financing is offered on a periodic basis. Please always
   check when a promotional plan expires.
 * How do I earn and redeem Rewards?
   
   When you make a qualifying purchase on your Wayfair Credit Card or Wayfair
   Mastercard at a Wayfair retail site, you'll earn 5% BACK in Reward Dollars
   (note: Promotional financing purchases are not eligible to earn Rewards).
   Additionally, the Wayfair Mastercard earns Rewards on qualifying purchases1
   everywhere else you shop: 3% at grocery stores, 2% online, and 1% everywhere
   else. You can redeem your Rewards up to a maximum of $2500 in Reward Dollars
   per month on any of our retail sites by applying them in Checkout when you
   use your Wayfair Credit Card or Wayfair Mastercard. There’s no minimum
   threshold to redeem Rewards, and they never expire! Additional terms and
   exclusions apply. Click here for the Credit Card Rewards Program Terms. Click
   here to see your balance.
 * If I close my Wayfair credit card, what happens to my Rewards?
   
   Reward Dollars can only be redeemed when using a Wayfair Credit Card or
   Wayfair Mastercard to shop at Wayfair retail sites. If you close your credit
   account, you will lose access to any Reward Dollars you’ve earned.
 * Can I use my introductory offer later?
   
   Your introductory offer, if applicable, may only be used on your first
   Wayfair Credit Card order or first Wayfair Mastercard order at one of
   Wayfair’s retail sites. The introductory offer cannot be combined with any
   other discount or financing offer.
 * How will I receive my Wayfair credit card?
   
   Applying online is fast and easy. If approved, we’ll automatically add your
   new Wayfair Credit Card or Wayfair Mastercard to your saved payment methods
   so you can use it today. Wayfair Mastercard cardmembers will receive their
   physical card and Wayfair Credit Card cardmembers will receive a letter with
   account information about their digital card within 7-10 business days via US
   mail.
 * Why can’t I find my Wayfair credit card in checkout?
   
   The Wayfair Credit Card Program, issued by Comenity Bank, has ended. Your
   Account is no longer valid for new transactions. However, rewards that you've
   earned through September 10, 2020 can be redeemed until September 10, 2021.
   For any questions, please contact Comenity Bank Customer Care at
   1-844-271-2567 (TDD/TTY: 1-800- 695-1788). We apologize for any
   inconvenience.
 * How do I pay my bill or manage my account?
   
   Click here to pay your Citibank, N.A. Wayfair Credit Card or Wayfair
   Mastercard bill online or change your banking information. For more
   assistance or to pay over the phone, please call the Wayfair Credit Services
   team for assistance at 1-800-365-2714, TTY: 1-877-354-0002. Check your Reward
   Dollars balance, manage your saved shipping addresses, and check your order
   status by logging into My Account on any of our retail sites. If you had a
   Wayfair Credit Card issued by Comenity Bank, please click here to pay your
   bill or manage your account.
 * How can I contact Citibank or Wayfair with questions?
   
   
   You can reach your Wayfair Credit Services team by visiting
   wayfair.accountonline.com 24/7 or by phone at 1-800-365-2714, TTY:
   1-877-354-0002.
   
   They can assist you with:
    * Paying your bill
    * Registering for online bill pay and paperless statements
    * Requesting a replacement for lost/stolen cards
    * Adding authorized users (Mastercard only)
    * Obtaining a copy of your billing statement
    * Answering questions about your account
    * Answering questions about your bill or transactions, including financing
      transactions
    * Updating your account information
    * Requesting a change to your credit limit
    * … and more!
   
   To apply for a Wayfair credit card, you can click “Apply Now“ on this page or
   call 1-866-513-5795. If you have questions about your Rewards balance or
   order status, you can reach Wayfair Customer Service at 1-844-611-5018.

 * What is a contactless chip card and how do I use it?
   
   Chip cards are embedded with security technology that helps protect you from
   fraud when used at chip-enabled terminals, and they’re difficult to
   counterfeit. Contactless cards like the Wayfair Mastercard, are the type of
   chip cards that can be tapped on the terminal, rather than inserted or
   swiped, when used at contactless enabled terminals.
 * As a Wayfair Professional member, am I eligible to apply for a Wayfair credit
   card?
   
   You can apply for a Wayfair credit card by completing the application with
   your personal information (name, home address, personal phone number, etc.).
   Applications submitted with information specific to your business will not be
   approved. Please note that this is a personal credit card.

1Rewards and Financing Details

Introductory Offer:

You will receive $40 off your qualifying first order if it is at least $250, or
from 12/1/2021 through 1/17/22 you will receive $40 off your qualifying first
order if it is at least $150 or, from 08/31/2021 through 1/31/2022 you will
receive $20 off your qualifying first order if it is between $50 and $149.99.
Cannot be combined with any other discount or financing offers. Additional
exclusions apply for select manufacturers, gift cards and purchases made with a
Wayfair Professional profile. Offer only applies to first Wayfair order made
with your Wayfair Credit Card or Wayfair Mastercard. Minimum purchase amount
excludes tax, shipping and other discounts. Subject to credit approval.

Rewards:

You will earn Reward Dollars on all Net Qualifying Purchases. For both the
Wayfair Credit Card and Wayfair Mastercard you will earn 5% back in Reward
Dollars when you use your card at Wayfair Sites. For the Wayfair Mastercard, you
will earn Reward Dollars when you use your card outside of Wayfair Sites: 3% at
grocery stores; 2% for Qualifying Online Purchases not made at Wayfair Sites;
and 1% on all other Net Qualifying Purchases made with your Wayfair Mastercard.
Qualifying Online Purchases are those made via a computer network, but not all
online transactions will be considered Qualifying Online Purchases. Qualifying
Online Purchases do not include the following types of purchases in the
following categories: subscription, membership or recurring purchases;
utilities, cable/satellite and telephone; insurance; medical and healthcare
providers; government services, taxes and tolls; education including schools or
other teaching institutions; contractor, professional, financial, legal,
personal and business services; repair services; direct marketing; and purchases
that manually are keyed by a merchant. You may only earn 1%, not 3%, for grocery
or food purchases made at convenience stores, gas stations, warehouse clubs,
supercenters and discount stores, and only 1%, not 2%, for purchases made
through mobile/wireless technology depending on how the technology is set up to
process the purchase. Merchants must submit charges under the appropriate
merchant code or industry code to be eligible as Qualifying Online Purchases
and/or Net Qualifying Purchases in the different categories. Neither Wayfair nor
Citibank determine whether merchants appropriately identify all transactions
made on a credit card, but Wayfair does reserve the right to determine which
purchases qualify for Reward Dollars. Reward Dollars are not earned on returns,
refunds, promotions or other credit adjustments, unauthorized or fraudulent
charges, charges that violate the terms of your Card Agreement, balance
transfers, cash advances or any other transaction treated like a cash advance,
lottery tickets, gaming chips and similar transactions, interest, fees,
purchases where promotional financing is applied and any portion of a purchase
made with Reward Dollars. Reward Dollars have no cash value and are not
redeemable for cash. You will forfeit unused Reward Dollars in certain
circumstances including if your account is closed or participation in the
program is terminated. Additional terms and exclusions apply. The Wayfair Credit
Card and Wayfair Mastercard Rewards Program is offered by Wayfair. Wayfair may
withdraw the rewards program or change the terms of the program at any time for
any reason. Citibank, N.A. is not responsible for products and services offered
by other companies. See the full Wayfair Credit Card and Wayfair Mastercard
Rewards Program Terms at wayfair.com/WAYFAIRCARDTERMS.

No Annual Fee:

As of 09/11/2020 the Wayfair Credit Card Purchase APR: variable 26.99%, Min.
interest charge $2. Wayfair Mastercard Purchase APR: variable 26.99%; Balance
Transfer APR: variable 26.99%; Cash APR: 29.99%; balance transfer fee is the
greater of $10 or 5% of the amount of each transfer, cash advance fee is the
greater of $10 or 5% of the amount of each cash advance, Min. interest charge:
$2; Fee for foreign purchases is 3% of the U.S. Dollar amount of each purchase.

No Interest Financing if paid in full up to 24 months*

 * 6 month* Financing on orders over $99
 * 12 month* Financing on orders over $499
 * 18 month* Financing on orders over $1499
 * 24 month* Financing on orders over $2999

Interest will be charged to your account from the purchase date if the purchase
balance is not paid in full within the promotional period. Valid through
01/05/22.

*With credit approval for qualifying purchases made on the Wayfair Credit Card
or Wayfair Mastercard at Wayfair sites. The following Purchase APR is accurate
as of 09/01/2021 and will vary: 26.99%. Minimum interest charge: $2. See card
agreement for details. Offer valid for consumer accounts in good standing.
Promotional Financing orders will not earn Rewards and are not eligible for the
introductory offer.

Major Purchase Plans*



Valid through 01/05/2022

 * 0% APR for 36 months* on orders over $1,999
 * 9.99% APR for 48 months* on orders over $3,999
 * 9.99% APR for 60 months* on orders over $4,999

*With credit approval for qualifying purchases made on the Wayfair Credit Card
or Wayfair Mastercard at Wayfair sites. Additional monthly payments may be
required if you have other balance or late payments. See card agreement for
details. Offer valid for consumer accounts in good standing. Promotional
financing orders will not earn Rewards and are not eligable for the introductory
offer.

Pre-Qualify:

See if you pre-qualify for the Wayfair Credit Card. This is not an application
for credit.

Wayfair Credit Card & Wayfair Mastercard is issued by Citibank, N.A.. Citi and
Arc Design is a registered service mark of Citigroup Inc. Mastercard is a
registered trademark, and the circles design is a trademark of Mastercard
International Incorporated.


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