- Sign-Up Bonus
- 0
- Spending Multipliers
- 3.5
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 3.5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 3.5
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 3.5
- Issuer
- NaN
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
Spending Multipliers
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)