Comenity Wayfair Credit Card Review and Application

Comenity Wayfair Credit Card Review Pros and Cons Issued by Comenity Bank

Comenity Wayfair Credit Card Review

Have you ever shopped on Wayfair? If so, did you know about Comenity Wayfair? The Wayfair credit card is issued by Comenity Bank, and cardholders get access to perks. In this Wayfair credit card review, we’re going to outline everything this card can do. We’ll also cover what the Comenity Wayfair card can’t do. Can you apply for the Wayfair credit card using the Comenity Bank Shopping Cart Trick? You’ll get a good idea whether or not you could benefit from this card by the end.

Comenity Wayfair Credit Card Pros

1. Cash Back

Comenity Wayfair gives you a decent rewards rate on each eligible purchase. You’ll earn three-percent cash back each time you use it at Wayfair, AllModern, Joss & Main, DwellStudio, and Birch Lane. These rewards are good for all purchases that don’t use special financing. You can redeem these Reward Dollars for future order credit.

2. Bonus for Signing Up

The bonus for signing up is extremely easy to get. All you do is make a purchase of $250 or more once Wayfair Comenity approves your application. You’ll immediately get a $40 bonus. So you can apply this bonus to future orders. However, you can’t use special financing means to make your order. If you do, you won’t get the $40 bonus because the order doesn’t count.

3. Special Financing or Rewards on Each Purchase

Comenity Wayfair has a unique perk that you don’t see on a lot of cards. You can choose two different options for each purchase you make. If you choose rewards, you’ll earn three-percent back on that purchase. Special buy now pay later financing is the second option you can choose if you don’t want three-percent back. Spending $250 will qualify you for six months of special financing. Spending $500 will qualify you for one year of interest-free financing.

4. Free Shipping

The Wayfair card gives you free shipping on all orders that are over $49. This is great because you can buy large items on Wayfair and not have to worry about shipping costs. Buy that sofa or dining room table and ship it to your door for free. This free shipping doesn’t count on returns though.

5. Builds Credit

Comenity Wayfair is a retail card. Retail store credit cards offer credit building perks. For one, they’re easier to get. There are less strict approval criteria attached. It also reports to all of the credit bureaus. Each on-time payment can help boost your credit score and build your credit history.

6. No Annual Fee

If you’re smart with the Wayfair card, you can make it work for you. Unlike a lot of reward cards, you won’t pay an annual fee. If you can avoid the deferred interest as well, there are huge potential for savings. Every credit and bonus you earn is yours to put toward future purchases.

7. No Hard Credit Inquiry

When you have lower credit, every point counts. Hard inquiries can drop your score three to five points each. You won’t have to worry about this with Comenity Wayfair. There is no hard inquiry as long as you use a pre-qualification link to apply. Instead, you’ll get a soft inquiry. So this doesn’t drop your credit score at all.

8. Optional Furniture Assembly

Do you dread putting furniture together once you buy it? If so, you’re in luck! Comenity Wayfair offers furniture assembly for online purchases. Since you’re not buying it pre-assembled, this is huge. Wayfair partnered with Handy to give Wayfair customers assembly and installation services. You can add this option when you check out. Also, they offer hassle-free returns. If you’re not thrilled, send it back. You do pay return shipping though.

Comenity Wayfair Credit Card Cons

1. Deferred Interest

Using the special financing option comes with deferred interest attached. This can add hundreds or thousands onto your balance if you don’t pay it off in time. Each time you buy an item, you’ll get six months or a year to pay it off with no interest. If you miss the deadline, you’ll get backdated interest. This could be six months or a year of interest all at once.

2. High Interest Rate Charged by Comenity Bank

The Wayfair card comes with a high interest rate. While this isn’t new for retail cards, it can be unpleasant if it backdates for a purchase. You’ll pay 28.49-percent a month with this card. This can put a huge dent in your budget if you get hit with it. This includes only having around $50 to pay on your original purchase and missing the cutoff deadline a single day.

3. Restricted Use

The Wayfair card isn’t co-branded like a Visa or MasterCard. You can only use it at Wayfair or the partner sites. This includes Wayfair, AllModern, Joss & Main, DwellStudio and Birch Lane. If you don’t shop at these stores a lot, the card isn’t much use. You won’t be able to effectively build your credit.

4. Restricted Rewards Redemption

Yes, three-percent back seems like an excellent opportunity. But, stop and think about it for a minute. Comenity Wayfair only lets you redeem your rewards for purchase credits at Wayfair itself or on affiliated sites. If you find a table or sectional on another site and fall in love, you’re out of luck with this card.


In this video, I talk about four credit cards for fair credit including the Wayfair credit card. The video is time-stamped at where the Wayfair card is first mentioned.

These are the three other fair approval credit cards mentioned in this video

You can read the reviews or apply for these offers by visiting their respective review articles.
Blaze MasterCard, Capital One Platinum Card, and Kohl’s Charge card.

CreditSoup® Fair Credit

Comenity Wayfair Credit Card Approval Odds

Fortunately for people with lower credit, Comenity Bank Wayfair as more lenient approval odds. The Wayfair credit card approval score hovers around fair credit levels. Typically, this means between 580 and 669. However, it’s critical that you apply with a pre-qualification link. This way, you won’t get a penalty for checking your eligibility status because it’s a soft pull.

These Way Fair credit card requirements are why retail cards are so popular for rebuilding credit. It’s a great tool for learning responsible use as well because you want to plan your budget to avoid the deferred interest.

Comenity Wayfair Payment Options

You get flexible payment options with Comenity Wayfair. However, it’s a good idea to use the Wayfair credit card because you get special financing or rewards. Possible Wayfair credit card payment options include:

  • Credit or Debit Cards (Wayfair, American Express, Discover, MasterCard, or Visa)
  • Wayfair Gift Cards and Store Credit
  • Wayfair Rewards
  • PayPal
  • Affirm
  • Personal Checks, Cashiers Checks, and Money Orders
  • Purchase Orders
  • Wire Transfers
  • Wayfair

Payment Considerations

Keep the following payment considerations in mind when you pay your bill. This will help ensure that you don’t forget a payment or get stuck halfway through.

Accepted Payment Options in the Account Center
If you plan to pay online through the Account Center, have a checking account ready. You currently can’t use a debit card to make a payment. You’ll need to input your checking account number and routing number. You can find this number on your monthly statement, on the bottom of your check, or your bank will give it to you.

Comenity Bank Fees for Paying Online
Comenity Wayfair doesn’t charge any extra fees for paying your bill online. Additionally, it’ll store your preferred payment method for future use. Since the site comes encrypted, you don’t have to worry about your sensitive information going anywhere. So you can switch it out whenever you like.

Wayfair Store Locations

Wayfair also has one brick and mortar outlet stores available. However, you have to know one critical piece of information involving the Wayfair outlet.

IMPORTANT: You are NOT ALLOWED to use your Wayfair credit account at the Wayfair outlet location. You’re ONLY allowed to use the this account online.

However, you’re free to make whatever purchases you’d like with another card or cash. For people who have the Wayfair outlet by their home and need something right away, this is great. The outlet address, hours, and phone number is:

Wayfair Outlet
5101 Renegade Way
Florence, KY 41042

Store Hours:
Friday and Saturday – 10AM to 6PM
Sunday – 10AM to 4PM

Telephone: (857) 559-4994

Can you apply for the Comenity Wayfair store credit card using the Shopping Cart Trick?

See if you Pre-Qualify for the Wayfair Credit Card Without a Hard Credit Inquiry

Important! Click the – “Do you pre-qualify?” – Wayfair credit card application link option
Wayfair Card Application
Or Compare Major Credit Card Offers
CreditSoup® Fair Credit
CreditSoup® Secured Cards

Wayfair Card and the Shopping Cart Trick from Comenity Bank

The Wayfair card is issued by Comenity Bank. This Wayfair Comenity line of credit can potentially be approved without a hard credit inquiry. Learn more about the Comenity Shopping Cart Trick. The Sportsman’s Guide Visa Card is another example of a Comenity Bank issued store credit card.

Credit Cards for Fair Credit

Conclusion – Comenity Wayfair Credit Card and the Shopping Cart Trick

Finally, Comenity Wayfair is a solid retail card with a lot of unique perks. As long as you pay attention and use it responsibly, you stand to gain a lot. However, there are some definite drawbacks to consider. Make sure that you can make this card work for you before you apply. Also, it may still be possible to use the Comenity Bank Shopping Cart Trick when applying for this store credit card. In addition, you may want to shop around and compare other retail cards before making a final decision. If you shop at Wayfair, this card can be an excellent choice.

Monica Kowollik

Director at CreditFast.com
Monica has covered credit card and personal finance news for over 15 years. From an early age, she developed an interest in financial literacy and saving money. Monica hopes to help others to improve their personal finances one article at a time.

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