Comenity Wayfair credit card Sign In, Mastercard payment Citibank

Check all details about the Wayfair credit card. How to Sign In and access your account? How to pay bills and contact customer service?

What is special about this card and what types of benefits customers will get? Check all these details and other important information in this article.

Comenity Wayfair credit card

Comenity was the previous credit card issuer for Wayfair customers and issued store-specific cards. On September 11, 2020, the partnership ended and Comenity Bank announced to shut down Wayfair’s credit card.

They sent letters to Wayfair customers who have applied for a new card that they will not get Wayfair branded credit cards now from Comenity Bank. Comenity Bank issued a Mastercard to all cardholders who were using the Wayfair store card.

Citi Bank Wayfair credit card

On September 11, 2020, After the end of the relationship between Comenity and Wayfair, Wayfair announced that they have partnered with Citibank and that Citibank will issue two credit cards for Wayfair customers. Citibank also offers great reward programs and cashback offers.

You may click, Wayfair and Citibank partnership link to check more details.

Wayfair customers will get one from the below-mentioned two credit cards.

  • Wayfair Mastercard® – A co-brand of Wayfair Mastercard.
  • Wayfair Credit Card – A private label Wayfair Credit Card.

Customers can use these credit cards at any Wayfair retail sites:,,,, and The Wayfair Mastercard can also be used anywhere Mastercard is accepted.


  • Get $40 off on the first qualifying credit card purchase of $250 or more.
  • from 8/31/2021 through 2/28/2022 get $20 off on the first qualifying credit card purchase between $50 and $249.99 value.
  • Get 5% rewards dollars on all Wayfair purchases or you can choose interest-free financing options for up to 24 months duration.
  • Wayfair Mastercard members will get additional saving benefits such as 3% at grocery stores, 2% on online purchases, and 1% everywhere else.

Fee & charges:

  • There is no annual fee for both credit cards.
  • APR for purchase and Balance transfer is 26.99% (variable).
  • Min. interest charge will be $2.
  • Cash advances APR: 29.99%.
  • You will have to pay the Balance transfer fee also which is $10 or 5% of the amount of each transfer, whichever is higher.
  • A cash advance fee is also applicable which is $10 or 5% of the amount of each cash advance, whichever is higher.
  • A foreign transaction fee is 3% of the U.S. Dollar purchase.
  • The late payment penalty will be up to $40.


  • The minimum interest charge is a little bit higher.
  • There is a foreign transaction fee which is also on the higher side.

Wayfair Financing

1-Interest-free financing details:

An interest-free financing option of up to 24 months is also available. Financing duration depends on the minimum purchase amount which is mentioned below.

Financing durationMinimum purchase required
6 monthOn orders over $199
12 monthOn orders over $499
18 monthOn orders over $1499
24 monthOn orders over $2999

2-Financing with interest:

You can also choose for more than 24 months of duration financing but a 9.99% APR will be applied in that case. 9.99% APR is still very low if we compare it to the normal APR for purchases which is 26.99%.

See below for details about financing options for more than 24 months duration.

Financing durationMinimum purchase requiredAPR
36 monthOn orders over $29999.99%
48 monthOn orders over $39999.99%
60 monthOn orders over $49999.99%

Wayfair credit card login CitiBank

Wayfair Mastercard login process:

Total Time: 5 minutes

  1. Open the official website

    wayfair website homepage

    You can start the process by visiting the official website

  2. Open the credit card page

    credit card page on wayfair website

    Once you open the official website you will see a Wayfair credit card link at the top bar of the homepage. Click this link to open the credit card page.

  3. Open account set-up page

    After opening the credit card page, click the Manage your account link to open the account management page.

  4. Open Wayfair Citibank Sign In page

    wayfair credit account sign in page on citi bank website

    On the account management page, click the Sign On now link to open the Citi bank login page for the Wayfair credit account.

  5. Enter your login details and Sign In

    Finally, enter your user id and password and click the Sign-On button to log in and access your credit account.

Wayfair Comenity login process?

Since Citibank is the current issuer of the Wayfair credit cards and we are not sure if the credit card issued through Comenity bank is still working or not but Comenity Sign In link is still working and customers can access that through

Wayfair Comenity’s credit card program has already ended. For rewards or any other information, you may contact Comenity Bank Customer Care at 1-844-271-2567 (TDD/TTY: 1-800- 695-1788).

Wayfair account online registration process

If you are a Wayfair credit card holder then you must register yourself online and take the benefits of some exclusive online services which are available through the online Wayfair account.

Some of the important benefits and services are mentioned below.

  • Access your account anytime anywhere.
  • Check your account summary, credit card balance, available credit, etc.
  • Check bill summary and pay card bill online. Customers can also enroll in the autopay facility.
  • Manage important text and SMS-based alerts.
  • Enroll in a paperless communication facility and get all information and documents electronically through email and SMS.

Wayfair credit card Sign-up process:

Check the below steps to set up your account.

Step 1: Open the Wayfair card page and click the Manage your Account link.

Step 2: On the next page, click the Set up your account link. You can start your account registration through an online form on the next page.

Wayfair credit account registration form

Step 3: Enter your credit card number and click the Continue button. If you did not receive your card then you can click the I don’t have my card on hand link. On the next page, you will have to verify your identity.

You can verify yourself by entering your Name, Phone number, and SSN, and using the text message or phone call option. Just enter the security code received on your mobile.

Step 4: After the verification process you can set up your profile and user id and password for your account so that you can easily log in every time.

Wayfair credit card payment: How to pay the bill?

There are many options available to pay your Wayfair card bill.

Wayfair payment options:

1-Online payment: A payment can be done easily online through the Wayfair CitiBank account. If you have already set up an account then just log in online and visit the payment section. Enter the required payment details and pay your card bill.

2-Phone payment: Customers can also pay their card bill through a phone call to the Wayfair Credit Services team at 1-800-365-2714, TTY: 1-877-354-0002.

3-Payment by Mail: A Customer can send a check or money order through Mail at the below-mentioned address.


Citi Retail Services
PO Box 70267
Philadelphia, PA 19176-0267

Overnight Delivery/Express Payments
Attn: Consumer Payment Dept.
400 White Clay Center Dr
Newark, DE 19711

Wayfair credit card application

A credit card application can be submitted online. If you are submitting an online application then it will create a hard inquiry on your credit profile which may impact your credit score.

It is advised to check if you are pre-qualify for a Wayfair credit card or not. A pre-qualify check creates a soft inquiry and will not impact your credit score.

How to check if I am pre-qualify?

Please follow the below steps.

  • Open the official website
  • Visit the credit card page and move down the page. Click the Check Now button under the See if you pre-qualify section.
  • On the next page enter your email address and click the Continue button.
  • On the next page, if you already have a Wayfair account then enter your account password or create a new account.
  • After that provide some basic required details. The system will check if you are pre-qualify for the credit card and inform you. It generally takes a few minutes.
  • If you are pre-qualify then you can proceed with the full application submission process.

How to submit a credit card application?

The process is also similar. Please check the below steps.

  • Open the credit card page on the Wayfair website.
  • Click the Apply Now button.
  • On the next page enter your email and click the Continue button.
  • On the next page enter your password. You will find an online application form on the next page.
  • Fill out this application form by entering your personal details, financial details, address, email id, phone number, etc.
  • Finally, submit this form.

Credit card approval depends on many factors and your credit card application will be further reviewed. Once approved you will receive your credit card within 7 to 10 business days through Mail.

Wayfair credit card customer service phone number

Please use the below contact details to contact in case of any inquiry.

Customer Service1-800-365-2714
Technical Assistance1-800-685-4608
TTY for the Hearing Impaired1-877-354-0002
Outside the U.S., Canada, and Puerto Rico1-208-822-2300

Contact through Mail:

PO Box 6772
Sioux Falls, SD 57117

Official website
Credit card page on wayfair.com
Wayfair Citi account management page Click here
Wayfair Citi account Sign InClick here
Account registration pageClick here
Retrieve the User ID pageClick here
Password reset pageClick here

About Wayfair

Wayfair is a retail chain that sells home-related products from different categories. There are many brands under Wayfair retail sites such as,,,, and Wayfair has its corporate office in Boston (U.S.) and Berlin (EU).


How can I redeem my reward dollars?

You can redeem your Reward balance at Wayfair retail sites during checkout. There is no minimum limit to redeeming rewards and there is no expiry for the reward balance. Please note that a customer can redeem up to a maximum of $2500 in Reward Dollars per month. 

How can I reset my Citi Bank Wayfair account password?

Please follow the below steps.

1-Open the login page.
2-Click the Password Reset link located on the login form.
3-On the next password reset page, You can reset your password by selecting any one of the below-mentioned options.
i- Yes, I have my Wayfair Credit Card.
ii- No, I do not have my Wayfair Credit Card.
4-Choose any one option, enter the required details, and click the Verify button. Once verified you will receive an email including a password reset link.
5-Open your email, click the password reset link, and create a new password for your account.

How can I recover my Wayfair Citi account user ID?

This process is also similar to resetting the password. There is only one difference. You will have to click the Retrieve User ID link located on the login form. After that, an online form to recover the user id will appear on the screen including the same options as we have summarised above in the password reset steps.


Source 1: Wayfair website, Source 2: Citi Bank website, Source 3: Comenity website

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