Wayfair Store Credit Card Review – $40 Off & Special Financing

The Wayfair Credit Card is issued by Comenity Bank (full list of their cards can be found here). This isn’t a traditional credit card, it’s more of a store specific card as it can only be used at Wayfair, Joss & Main, AllModern, Birch Lane, DwellStudio, and Wayfair Supply stores.

wayfair-credit-card

Contents

Card Basics

  • $40 off your first order of $250 or more (cannot be combined with any other offer, including interest free financing offer
  • Special Financing on Orders Over $500, you pay on interest if paid in full within 12 months.
  • Card earns rewards points that can be redeemed for rewards dollars
  • Shopping cart trick works for this card

You cannot earn rewards points and receive special financing, it’s one or the other. For some reason they also give you no information on how many points this card earns and what those points are worth in terms of rewards dollars (even in the long terms and conditions).

Final Thoughts

A few readers have asked for a review of this card, I’m not exactly sure why as it isn’t terribly exciting at all. If anybody knows what the rewards structure on this card is, please let us know in the comments below.

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10 Comments
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John
John (@guest_990973)
June 2, 2020 11:10

READ THE FINE PRINT! The $40 off offer pops up at the end of your transaction but I never noticed there was a minimum purchase amount to receive the offer. Not a big deal except it’s impossible to get customer service on the phone to answer your questions. This post gave me the info I was looking for.

Amber
Amber (@guest_698177)
December 31, 2018 19:49

Wayfair and overstock sct worked but both did a hard pull overstock hard pulled experian and wayfair hard pulled Equifax

jr
jr (@guest_640164)
September 8, 2018 00:47

hard pull on equifax with last four shopping cart trick

RickyG
RickyG (@guest_664100)
October 28, 2018 03:08
  jr

HARD PULL ON EQ….GRRRR

Sheila Rogers
Sheila Rogers (@guest_631890)
August 21, 2018 14:12

Wayfair does now tell your potential $reward$ earnings, right when you add item(s) to your cart it tells (for instance) “with this purchase you will earn $6.50 in reward….so, yes Wayfair does tell how much your $Reward$ amount would potentially be before you actually buy your item(s). August 21,2018

petitesybarite
petitesybarite (@guest_627804)
August 7, 2018 18:17

i just did the wayfair SCT, got the pre-approval pop-up, entered last 4 of SSN, and got approved for $6.5k. when i called comenity, one CSR said it was a hard pull with equifax. another said it would be a hard pull with all 3 credit bureaus!! i didn’t want to tip them off about the SCT so i’m hoping the CSR was wrong.

now that i’m searching “wayfair sct hard pull” i’m seeing a ton of reports that it’s a hard pull. wish i had read these comments first or frozen my credit reports. the whole point of the SCT is to bump my credit score (decrease utilization) without a hard inquiry. looks like the wayfair SCT is always going to be a hard pull.

called the credit bureaus:
equifax: hard pull
transunion: no hard/soft inquiry
experian: no hard/soft inquiry

FYI – wayfair SCT will result in a HARD pull with equifax.

cassie
cassie (@guest_592592)
May 9, 2018 22:35

Only requested the last 4 on mine and was not a hard pull. I also got Vs and New York and co and fingerhut with Sct none hard pulls

bearpie514
bearpie514 (@guest_588333)
April 30, 2018 21:31

only asked for last four but hard pull on equifax

HokiE36
HokiE36 (@guest_310432)
October 29, 2016 20:02

got this card back in early summer. shopcart as i thought, but… a hard pull somehow.
read the application terms, and indeed they say it would be a hard pull, even without my social?! good job somehow

dspolaris
dspolaris (@guest_399181)
May 2, 2017 01:41

This…is a really important DP. It should be mentioned on the “shopping cart trick” post!