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Birch Lane Credit Card or Mastercard
Financing & free enrollment in Wayfair Rewards²
Duration
6-60 mos. on qualifying purchasesCost to Borrow
See terms{SUPERSCRIPT_1}**Provider
Frequently Asked Questions
Pay Over Time Details
⁴Affirm:
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Rates from 0–36% APR. For example, a $700 purchase might cost $63.18/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: {LINK_affirm1}. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see {LINK_affirm2}.
⁵Klarna:
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See {LINK_Klarna} for payment terms. A higher initial payment may be required for some consumers. Monthly financing through Klarna issued by WebBank. CA resident loans made or arranged pursuant to a California Financing Law license.
⁶Afterpay:
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You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Late fees may apply. Loans through the Afterpay Pay Monthly program are underwritten and issued by the First Electronic Bank. A down payment may be required. APRs range from 6.99% to 35.99%, depending on eligibility and merchant. As an example, a 12 month $1,000 loan with 21% APR would have 11 monthly payments of $93.11 and 1 payment of $93.19 for a total payment of $1,117.40. Loans are subject to credit check and approval and are not available in all states. Valid debit card and acceptance of final terms required to apply. Payment amounts shown are estimates and depend on eligibility and exclude taxes and shipping charges, which are added at checkout. Loans to California residents made or arranged pursuant to a California Finance Lenders Law license. Please visit {LINK_AfterpayTC} for complete terms.
** superscript Rewards and Financing Details
Introductory Offer:
You will receive $40 off your qualifying first order if it is at least $250. Cannot be combined with any other discount or financing offers. Additional exclusions apply for select manufacturers, gift cards and purchases made with a Wayfair Professional profile. Offer only applies to first Birch Lane order made with your Birch Lane or Birch Lane Mastercard®. Offer not available for purchases at Perigold or at Wayfair outlet stores. Minimum purchase amount excludes tax, shipping, and other discounts. Subject to credit approval.
Rewards:
You will earn Reward Dollars on all Eligible Purchases. For both the Birch Lane Credit Card and Birch Lane Mastercard® you will earn 7% in Rewards when you use your card at Wayfair’s family of websites, mobile applications, and physical retail stores. Rewards are not earned on returns, refunds, promotional discount, post-order cost adjustments, purchases at outlet locations, purchases made by accounts enrolled in the Wayfair Professional program; gift cards, services (including home installation and assembly, extended warranties and design services), donations, Porch restaurant, taxes and any shipping or delivery fees, unauthorized or fraudulent charges, charges that violate the terms of your Card Agreement, balance transfers, cash advances or any other transaction treated like a cash advance, lottery tickets, gaming chips and similar transactions, interest, fees, and any portion of a purchase made with Reward Dollars. For purchases where promotional financing is applied, you will earn 5% in Rewards, not 7%, on Eligible Purchases. Reward Dollars have no cash value and are not redeemable for cash. You will forfeit unused Reward Dollars in certain circumstances including if your account is closed or participation in the program is terminated unless prohibited by law. Additional terms and exclusions apply. The Birch Lane Credit Card and Birch Lane Mastercard are offered by Citibank, N.A., the Wayfair Rewards Program is offered by Wayfair. Wayfair may withdraw the rewards program or change the terms of the program at any time for any reason. Citibank, N.A. is not responsible for products and services offered by other companies. See Wayfair Rewards link new line new line For the Birch Lane Mastercard®, you will earn Rewards on all Net Qualifying Purchases made with your Birch Lane Mastercard outside of Wayfair’s family of websites and mobile applications (“Sites”) and physical retail stores (“Stores”): 3% at grocery stores; 2% for Qualifying Online Purchases not made at Sites or Stores; and 1% on all other Net Qualifying Purchases made with your Birch Lane Mastercard. Qualifying Online Purchases are those made via a computer network, but not all online transactions will be considered Qualifying Online Purchases. Qualifying Online Purchases do not include the following types of purchases in the following categories: subscription, membership or recurring purchases; utilities, cable/satellite and telephone; insurance; medical and healthcare providers; government services, taxes and tolls; education including schools or other teaching institutions; contractor, professional, financial, legal, personal and business services; repair services; direct marketing; and purchases that manually are keyed by a merchant. You may only earn 1%, not 3%, for grocery or food purchases made at convenience stores, gas stations, warehouse clubs, supercenters, and discount stores, and only 1%, not 2%, for purchases made through mobile/wireless technology depending on how the technology is set up to process the purchase. Merchants must submit charges under the appropriate merchant code or industry code to be eligible as Qualifying Online Purchases and/or Net Qualifying Purchases in the different categories. Neither Wayfair nor Citibank determine whether merchants appropriately identify all transactions made on a credit card, but Wayfair does reserve the right to determine which purchases qualify for Rewards. Rewards are not earned on returns, refunds, promotions, or other credit adjustments, unauthorized or fraudulent charges, charges that violate the terms of your Card Agreement, balance transfers, cash advances or any other transaction treated like a cash advance, lottery tickets, gaming chips and similar transactions, interest, fees, and any portion of a purchase made with Reward Dollars. Reward Dollars have no cash value and are not redeemable for cash. You will forfeit unused Reward Dollars in certain circumstances including if your account is closed or participation in the program is terminated unless prohibited by law. Additional terms and exclusions apply. The Birch Lane Mastercard is offered by Citibank, N.A., the Wayfair Rewards Program is offered by Wayfair. Wayfair may withdraw the rewards program or change the terms of the program at any time for any reason. Citibank, N.A. is not responsible for products and services offered by other companies. See Wayfair Rewards link.
No Annual Fee
For new accounts, as of 9/23/2025 the Birch Lane Credit Card Purchase APR: variable 33.99%, Min. interest charge $2. Birch Lane Mastercard Purchase APR: variable 33.99%; Balance Transfer APR: variable 33.99%; Cash APR: variable 33.99%; balance transfer fee is the greater of $10 or 5% of the amount of each transfer, cash advance fee is the greater of $10 or 5% of the amount of each cash advance, Min. interest charge: $2; Fee for foreign purchases is 3% of the U.S. Dollar amount of each purchase.
No Interest Financing if Paid in Full up to 24 Months
No Interest Financing if paid in full up to 24 months superscript * new line bullet 6 month superscript * Financing on orders over $199 new line bullet 12 month superscript * Financing on orders over $799 new line bullet 18 month superscript * Financing on orders over $1499 new line bullet 24 month superscript * Financing on orders over $2999 new line Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Valid through 09/15/2026. new line new line
With credit approval for qualifying purchases made on the Birch Lane Credit Card or Birch Lane Mastercard® at participating Wayfair sites. As of 9/23/2025 the Birch Lane Credit Card Purchase APR: variable 30.24% - 33.99%. Min. interest charge: $2. Birch Lane Mastercard Purchase APR: variable 30.24% - 33.99%; Balance Transfer APR: variable 30.24% - 33.99%; Cash APR: variable 30.24% - 33.99%; balance transfer fee is the greater of $10 or 5% of the amount of each transfer, cash advance fee is the greater of $10 or 5% of the amount of cash advance, Min. interest charge: $2; Fee for foreign purchases is 3% of the U.S. Dollar amount of each purchase. See card agreement for details including the APR applicable to you. Financing not available in all stores. Promotional financing orders will not earn rewards and are not eligible for the introductory offer. Other financing offers are available on qualifying orders. Visit {LINK_here} for details.
*Financing up to 60 Months:
bold Major Purchase Plans* new line bold Valid through 09/15/2026 new line bullet 9.99% APR for 36 months on orders over $1,599new line bullet 9.99% APR for 48 months on orders over $1,799new line bullet 9.99% APR for 60 months on orders over $1,999new line new line *With credit approval for qualifying purchases made on the Birch Lane Credit Card or Birch Lane Mastercard® at participating Wayfair sites. Additional monthly payments may be required if you have other balances or late payments. See card agreement for details. Promotional financing orders are not eligible for the introductory offer. Terms and Conditions apply. Financing not available in all stores. Other financing offers are available on qualifying orders. See link birchlane.com/birchlanecard for details.
Pre-Qualify:
See if you pre-qualify for the Birch Lane Credit Card. This is not an application for credit. new line new line Birch Lane Credit Card & Birch Lane Mastercard is issued by Citibank, N.A.. Citi and Arc Design is a registered service mark of Citigroup Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.