Citi · Mastercard
Wayfair Mastercard®
No annual fee · 1x on everything else · 3.0% foreign transaction fee
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Groceries | 3x | uncapped |
| Online retail | 2x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best groceries cards · best online retail cards.
Non-cash perks
- Usable everywhere Mastercard is accepted, unlike the closed-loop Wayfair Credit Card
- Free enrollment in the Wayfair Rewards program (membership fee waived while the card account is open)
- Choice of earning Reward Dollars or using flexible/deferred-interest financing on qualifying Wayfair purchases
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Citi
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.citi.com · wallethub.com · www.firstcard.app. Spot an error? Tell us.