Best credit card to use at Wayfair.

Picks without a tag earn at Wayfair both in-store and online. Watch for theOnline onlytag — those bonuses only apply on wayfair.com.

1. #1
   
   Citi Custom Cashif it’s your top category

   Citi

   5% on home improvement if it's your top eligible spend category that cycle (up to $500/month, then 1%)

   Automatically on your top eligible spend category each billing cycle
   5%
2. #2
   
   Discover it Cash Backthis quarter

   Discover

   5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.

   Activation required each quarter
   5%
3. #3
   
   Discover it for Studentsthis quarter

   Discover

   5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.

   Activation required each quarter
   5%
4. #4
   
   NHL Discover itthis quarter

   Discover

   5% on home improvement this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.

   Activation required each quarter
   5%
5. #5
   
   U.S. Bank Cash+ Visa SignatureOnline onlyif you select it

   U.S. Bank

   5% on online shopping if you select it as a bonus category (up to $2,000/quarter, then 1%)

   Choose 2 categories each quarter, up to $2,000 combined
   5%
6. #6
   
   Wells Fargo Choice Privileges Select Mastercard

   Wells Fargo

   5x points on home improvement
   5.0%5x points
7. #7
   
   Blue Cash EverydayOnline only

   American Express

   3% on online shopping (up to $6,000/year, then 1%)

   U.S. online retail purchases
   3%
8. #8
   
   Wells Fargo Choice Privileges Mastercard

   Wells Fargo

   3x points on home improvement
   3.0%3x points
9. #9
   
   Hilton Honors American Express SurpassOnline only

   American Express

   4x points on online shopping

   U.S. online retail purchases
   2.0%4x points
10. #10
    
    Robinhood Gold

    Robinhood

    3% flat-rate cashback
    3%