10 Benefits of Having a Wayfair Credit Card

Shopping at Wayfair can be more advantageous when you hold a Wayfair credit card. The retailer offers unique deals on their 5 retail brands. There are certain benefits associated with ownership. If you’re wondering whether or not to apply, here are ten benefits you can gain if approved for a Wayfair credit card.

1. No interest option

You can use your Wayfair credit card to make purchases with the retailer and you are eligible to take advantage of their no interest option. if you pay off the total balance that is on your credit card within a 6 or 12 month period, you can avoid the interest charges altogether. This is a promotional for new card holders, but you must pay off orders placed within the time frame of the promotion and you can’t be late on a payment to qualify.

2. You earn Rewards points

The Wayfair credit card comes with a rewards program. You can earn up to three percent in rewards back on your purchase orders. Some restrictions apply and the offer is only good on eligible orders.

3. You can get $40 off your first order

This is a promotional offer that is made by Wayfair for new card holders only. You may be eligible to receive $40 dollars off the cost of your first order. In order to qualify for this discount, your order must be more than $250 and the offer is only applicable for the first order.

4. You gain access to unique merchandise

Wayfair offers access for purchasing furniture and home decor online. The products offered are available in a wide range of styles and types. Some items are not easy to locate and this is just a part of the appeal for shopping at Wayfair.

5. There is no annual fee

Many banks who offer credit card accounts charge an annual fee in addition to other charges. One of the benefits of having a Wayfair credit card is that there are no annual fees to pay. This makes the card of greater value in comparison to some others.

6. You can finance major purchases

There are times when it’s difficult to come up with a lump sum of cash to purchase major items such as furnishings and other types of home decor. With the Wayfair credit card, you can order merchandise online from the comfort of your own home and make convenient monthly payments. This makes it possible to redecorate your home in style without the need to wait while you’re saving up.

7. Rewards can be spent on future orders

When you’ve built up rewards points on eligible purchases, these points can be used to help defray the costs on future orders. This plan gives you credit with the store and further reduces the costs of any merchandise that you will be charging in the future. The more eligible brands you purchase, the more you earn in rewards.

8. You have financing options

The Wayfair credit card has different financing options available on eligible orders. If your order is a minimum of $250, you can qualify for zero down payment and six month financing option. If your order is $500 or more, you may qualify for a 12 month financing plan. If you pay the balance off by the end of the promotional period, you will not be charged interest.

9. You can improve your credit score

The Wayfair credit card can help you to build your credit rating. If you use the card responsibly, make all the payments on time and keep the balances low, it can improve your FICO score. This is another great benefit that is associated with the card.

10. Flexible approval standards

It can be difficult to obtain a standard credit card, especially if you’ve had a few problems with your credit. Wayfair credit cards are easier to qualify for than most department store cards or mainstream credit cards. The likelihood of approval for this card is much higher, especially if you have good or no negative prior credit history with the store.
These are the ten benefits of applying for a Wayfair credit card. The card may only be used for orders placed at the store, but it gives you additional purchasing options with some excellent perks. If you’re interested in buying new furniture or home decor and could use an option for financing with monthly payments, then this is an option that is worth considering.


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