- Sign-Up Bonus
- 0
- Spending Multipliers
- 3.5
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 3.5
- Issuer
- 5
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 3.5
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 3.5
- Issuer
- 5
The Citi Wayfair Mastercard from Citibank is a no-annual-fee credit card designed for Wayfair shoppers who want the flexibility to use their card beyond the store. Unlike the store-only version, this Mastercard can be used anywhere Mastercard is accepted, making it ideal for customers who frequently shop at Wayfair but also want a general-purpose credit card for everyday purchases. While it does not offer a welcome bonus and lacks additional features, the Citi Wayfair Mastercard benefits loyal Wayfair customers seeking a simple, fee-free card that combines the convenience of a store-focused credit solution with the broader usability of a Mastercard. This card is best suited for homeowners, interior decorators, and frequent online shoppers who want both store rewards and everyday spending flexibility.
Pros
Cons
Issuer
Citi, founded in 1812 as First National City Bank, boasts a rich history of banking innovations and global leadership. Operating in nearly 160 countries with a localized presence in 95, Citi offers a diverse range of financial products, including credit cards, checking accounts, loans, and wealth management. With a customer-centric approach, Citi targets various segments, from low-income earners to high-income professionals, emphasizing innovation to simplify financial goals. The bank, with $2.6 trillion in total assets and $168 billion in annual revenue in 2025, maintains financial stability. Citi's commitment to technology is evident in its longstanding focus on innovation labs and leveraging advancements. Philanthropy and corporate social responsibility are integral to Citi's ethos, with initiatives like the Citi Foundation promoting economic progress and supporting education. Citi operates about 670 branches in the US but prioritizes online banking. Upholding values of integrity and responsibility, Citi aims to be a trusted partner in providing responsible financial services. As an FDIC-insured institution, Citi aligns its actions with regulatory compliance.
Spending Multipliers
7%
Cash Back at Wayfair
3%
Cash Back on groceries
2%
Cash Back on online purchases
1%
Cash Back on all other purchases
Credits & Features
Application
- Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
- Number of hard pulls have a huge impact on Citi applications, consider having less than 6 hard pulls in the past 6 months
Fees
- No Annual Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 33.49% Variable APR
- 33.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 33.49% APR for Balance Transfer
- $10 or 5% of each transfer amount (whichever is greater)