Tag Archives: Citibank

Wayfair Credit Card

Store,

Wayfair Credit Card Mastercard

Effective September 11, 2020 the Wayfair Credit Card and Wayfair Mastercard are issued by Citibank.

The Comenity Bank Credit Card Program has ended and is no longer valid for new transactions. Rewards earned through September 10, 2020 can be redeemed until September 10, 2021.

Cardholders can get help from the Wayfair Credit Services team at wayfair.accountonline.com or via phone at 1-800-365-2714.

Both of the new Wayfair credit cards offer a choice of 5% back in rewards at Wayfair or no interest deferred financing for 24 months.

WAYFAIR CREDIT CARD
  • $40 off qualifying first offer of $250 or more
  • No annual fee
WAYFAIR MASTERCARD
  • $40 off qualifying first offer of $250 or more
  • No annual fee
  • 3% rewards at grocery store
  • 2% rewards for online purchases
  • 1% everywhere else

The credit card application is for both the store cards and Mastercard. Upon approval you can choose which version you prefer.

The Wayfair credit card can be used at wayfair.com, jossandmain.com, allmodern.com, birchlane.com, perigold.com, while purchases on the Mastercard version can be made anywhere Mastercard is accepted.

For details and application visit the Wayfair Credit Card page.

My Best Buy Visa Card

Rewards

computer on a chip
My Best Buy Credit Card offers cardholders two ways to save money on their purchases:

Get 5% or 6% in-store rewards
OR
3% rewards on gas, 2% rewards on grocery/dining, 1% elsewhere

Besides ongoing rewards buyers receive exclusive deferred interest financing on purchases. Great way to enjoy life on special deals.

  • $199 and up – 6 months no interest if paid in full
  • $399 and up – 12 months no interest if paid in full
  • $599 and up on appliances and Geek Squad – 18 months no interest if paid in full
  • $799 and up on unlocked phones, home theater and Geek Squad – 24 months no interest if paid in full

Best Buy offers a smartphone app which is like carrying the store in your pocket or purse. Features include:

  • Browse our entire product catalog
  • View our Weekly Ad and featured offers
  • Scan your My Best Buy™ member ID from your smartphone
  • Check your My Best Buy™ points
  • Redeem your My Best Buy™ certificates via the app
  • Read ratings and reviews
  • Compare products
  • Check your order status
  • Find your nearest store

AT&T Access Credit Card

Bank, Store

AT&T Access Card from CitiThe new AT&T Access credit card from Citi replaces the discontinued AT&T Universal Savings and Rewards Credit Card with ThankYou points.

AT&T offers a sign up bonus and extra rewards on some retail and travel websites paid out as ThankYou Points. However the new card is neither a Visa Card or Mastercard, but part of Citi Retail Services program. Here are some pros and cons of the card.

PROS

  • Introductory bonus of 10,000 ThankYou points for opening account
  • Two reward points with eligible online retail and travel websites
  • Two reward points when buying tablets or phones directly from AT&T
  • Presale and VIP events
  • No annual fee

CONS

  • Not part of the Visa or Mastercard network
  • Points lose half their value when redeemed for cash
  • Limited selection of redemption options.

RATES & FEES

  • 13.99% to 22.99% APR (Annual Percentage Rate) on purchases and balance transfers
  • 25.24% APR for cash advances, i.e. when you use the card to get cash at an ATM, plus a 5 % fee ($10 min)
  • 29.99% APR if make late payment or if payment is returned
  • No recurring annual fee
  • Up front 3% balance transfer fee
  • 3% foreign transaction fee to purchase items billed outside the United States

VERDICT

The AT&T Access Card does best as a secondary card. For most people other cards may have lower interest rates and better rewards. Not having the features and benefits of a Mastercard or Visa Card family can limit its usefulness in some cases.

Several other credit cards have better introductory offers with no annual fees. Discover It card features generous 5% cash back in useful rotating categories on a quarterly basis. The 3-2-1 cash back rewards of the American Express Blue Cash Everyday card works great for most shoppers.

CITI RETAIL SERVICES

Though Citi Retail Services isn’t a household name, the stores it partners with may be. Here are some of the places who market their credit cards using Citi’s expertise in the credit card industry.