Birch Lane Mastercard Credit Card
The Birch Lane Mastercard is a retail credit card from Wayfair's Birch Lane brand. The credit card with no annual fee offers cardholders up to 5% cash back on Wayfair brands and 3% back elsewhere.
The Birch Lane Mastercard offers the ideal tool for expensive design projects, thanks to up to 5% off purchases at Wayfair's five sites, special 0% APR financing on qualifying Wayfair purchases, and more, all for $0 annual fee.
| Positive points | Negative points |
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| Zero Fraud Mastercard Responsibility | Regular variable purchase APR of 31.24% based on prime rat |
| Mastercard Global Service | Cash Advance APR: 29.99% variable based on Prime Rate |
The Birch Lane Mastercard offers cardholders one of two special offers with the home furnishings brand. Cardholders can choose to earn up to 5% cash back rewards on purchases with Birch Lane or other Wayfair sites or select special 24 months of interest-free financing on qualifying purchases.
The 24-month financing option is somewhat mundane (special financing is typically found with most co-branded store cards), but offers financial leeway when completing interior design projects. However, this 0% APR offer only applies if the balance is paid in full before the end of the special financing window.
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Compatibility
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Mobile Wallet Compatibility |
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Chip
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EMV chip and contactless payment technology |
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Rotection
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Identity Theft Protection |
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Rate
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No annual fee |
Earn additional money
Wayfair savings with the Birch Lane Mastercard are the same as with the closed-loop Birch Lane Store credit card, with the big difference being that the open-loop Mastercard offers savings outside the Birch Lane online store. Click the button below and apply for your card.
New Account Bonus
New card accounts enjoy $50 off their first order of $150 or more. This introductory offer provides quality (and easy to reach) value. Remember that the introductory offer cannot be combined with any other Wayfair financing offer or discount. Additional prohibitions may also apply to select manufacturers, gift certificates and purchases made with a Wayfair Professional profile.
How to redeem rewards with Wayfair
Redeeming cash back rewards with the Birch Lane Mastercard is fairly easy. Cash back rewards are equal to Wayfair Rewards points, with 1% cash back equal to one point. Birch Lane cardholders can redeem their rewards for qualifying purchases on Wayfair's websites. Click the button below and apply for your card.
