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AllModern Mastercard®

Cory Santos

| Last updated on September 8th, 2023

AllModern Mastercard®

AllModern Mastercard®
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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None Annual Fee

AllModern Mastercard®

  • 31.99% variable based on the Prime Rate Regular Purchase APR
  • 31.99% variable based on the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

The AllModern Mastercard® provides the ideal tool for making design improvements, thanks to up to 5% back on purchases with all five Wayfair family websites, special 0% APR financing on eligible purchases, and more – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 5% back in Rewards at Wayfair brands, including AllModern
  • 3% back at grocery stores
  • 2% back on online purchase outside of Wayfair brands
  • 1% back on all other purchases
  • No interest financing if paid in full up to 24 months on qualifying orders
  • No annual fee
  • Regular Purchase APR: 31.99% variable based on the Prime Rate
  • Balance Transfer APR: 31.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Foreign Transaction Fee: 3% of the U.S. Dollar amount of each purchase
  • You frequently shop at AllModern or other Wayfair brands
  • You want access to special financing for larger purchases
  • You want to earn 5% back on Wayfair purchases and 2% back online
  • You do't want to pay an annual fee

AllModern Mastercard® Review

The AllModern Mastercard® is a retail credit card from retailer AllModern, part of the Wayfair family. The card, which features no annual fee, offers cardholders up to 5% cash with Wayfair’s brands and 3% back elsewhere.

Earn 5% Cash Back with Wayfair

The main selling point with the AllModern Mastercard® is one of two special offers with the home furnishings brand. Cardholders can earn 5% cash back rewards on purchases with AllModern or other Wayfair websites or special 24 months of no interest financing on eligible purchases.

The 5% cash back at Wayfair is an excellent offer. That earning-rate places the card on par with many other quality retail cards. Eligible sites are:


The 24-month financing option is also fairly mundane but offers financial wiggle-room when completing interior design projects. That 0% APR offer only applies if the balance is paid, in full, before the end special financing window, however.

Earn Additional Cash Back Rewards Online and on Groceries

The Wayfair savings with the AllModern Mastercard® are the same as the closed-loop AllModern Store Credit Card. Where the open-loop Mastercard differs is the savings it provides outside of Allmodern’s online store.

Cardholders earn 3% at grocery stores and 2% on online purchases made outside of Wayfair sites, plus 1% cash back on all other eligible purchases anywhere Mastercard is accepted worldwide. The 3% back on groceries is a nice feature with the card, but the 2% back online offers exceptional value for money – especially for a retail credit card.

Welcome Offer Bonus

New card accounts enjoy $50 off their first order of $150 or more. This introductory offer differs slightly from the other Wayfair family of credit cards but still offers excellent (and easy-to-reach) value.

Keep in mind that the introductory offer cannot be combined with any other Wayfair financing offers or discounts.  Additional exclusions may also apply for select manufacturers, gift cards, and purchases made with a Wayfair Professional profile.

How to Redeem Rewards with the AllModern Mastercard®

Redeeming cash back rewards with the AllModern Mastercard® is fairly easy. Cash back rewards equal Wayfair rewards points, with 1% cash back equal to one point. AllModern cardholders can redeem their rewards towards qualifying purchases at Wayfair websites.

Rewards with the card are redeemable at a rate of 200 points for $6 in goods. Rewards are limited to $2,500 in Wayfair Credit Card Reward Dollars per month. Wayfair points never expire – a great feature since normal Wayfair Rewards members have points expire three months after they are earned.

Financing Plans

The AllModern Mastercard comes with special Wayfair financing plans on select purchases. This option is known as “no interest financing if paid in full” and is applicable on select purchases for up to two years:

  • 6-month financing on orders over $99
  • 12-month financing on orders over $499
  • 18-month financing on orders over $1499
  • 24-month financing on orders over $2999

Other Card Features

Other notable features with the AllModern credit card include:

  • Zero Fraud Liability
  • Mastercard Global Service
  • ID Theft Protection
  • Mobile wallet compatibility
  • EMV chip and contactless payment technology

Should You Apply for the AllModern Mastercard® Credit Card?

The AllModern Mastercard is very similar to all the other Wayfair credit cards from Citibank. The card earns the same 5% back on Wayfair purchases (including Wayfair, Joss & Main, AllModern, Perigold, and more, plus 3% back on groceries and 2% back on all other eligible online purchases outside of Wayfair.

The 5% back is one Wayfair reward option, with the other being special financing at zero-percent APR for up to 24 months. Both Wayfair options are high-quality – as is the ever-impressive 2% back on any online purchase.

Ultimately, the AllModern Mastercard from Citi is an exceptional open-loop retail card for the Wayfair/design enthusiast – or even the occasional fixer-upper who wants a versatile cash back card that can help make a dent in their remodel bills.

The information related to AllModern Mastercard® has been collected by and has not been reviewed or provided by the issuer or provider of this product or service.

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