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Birch Lane Mastercard®

Cory Santos

| Last updated on January 2nd, 2024

Birch Lane Mastercard

Birch Lane 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

Birch Lane 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 Birch Lane Mastercard® provides the ideal tool for costly design projects, thanks to up to 5% back on purchases with all five Wayfair websites, special 0% APR financing on eligible Wayfair purchases, and more – all for $0 annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 5% back in Rewards at Wayfair brands
  • 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 Birch Lane or other Wayfair brands
  • You want to earn 5% back on Wayfair purchases, 3% back on groceries, and 2% back online
  • You prefer access to special financing for larger purchases over 5% back
  • You don’t want to pay an annual fee

Birch Lane Mastercard® Review

The Birch Lane Mastercard® is a retail credit card from Wayfair brand Birch Lane. The no annual fee credit card provides cardholders up to 5% cash with Wayfair’s brands and 3% back elsewhere.

Earn 5% Cash Back on Purchases with Wayfair Brands

The Birch Lane Mastercard® offers cardholders one of two special offers with the home furnishings brand. Cardholders can opt to earn up to 5% cash back rewards on purchases with Birch Lane or other Wayfair websites or select special 24 months of no interest financing on eligible purchases.

The 5% cash back at Wayfair is an excellent offer, with eligible sites including:


The 24-month financing option is somewhat mundane (special financing is typically found with most co-branded store cards) 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 on Select Categories

The Wayfair savings with the Birch Lane Mastercard® are the same as the closed-loop Birch Lane Store Credit Card, with the big difference being that the open-loop Mastercard provides savings outside of Birch Lane’s online store.

Cardholders earn 3% on groceries 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 triple cash back with groceries is excellent – as is the double cash rewards with online purchases.

New Accounts Bonus

New card accounts enjoy $50 off their first order of $150 or more. This introductory offer provides quality (and easy-to-reach) value.

Keep in mind that the introductory offer cannot be combined with any other Wayfair financing offers or discounts.  Additional prohibitions may also apply for select manufacturers, gift cards, 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 equal Wayfair rewards points, with 1% cash back equal to one point. Birch Lane 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.

Wayfair Financing Plans

The Birch Lane Mastercard comes with special Wayfair financing plans on select purchases. This option 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 Birch Lane credit card include:

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

Should You Apply for the Birch Lane Mastercard® Credit Card?

The Birch Lane Mastercard offers 5% back on Wayfair purchases (including Wayfair, Joss & Main, Birch Lane, AllModern, and Perigold, plus 3% back on groceries and 2% back on all other eligible online purchases outside of Wayfair. That rewards rate is exceptional and makes Citi’s Wayfair credit card lineup among design-minded consumers among the best rewards credit cards.

The addition of special financing is another great perk with the card. This 0% APR financing applies for up to 24 months (on purchases of $2999 or more) and can help offset initial project costs – making DIY that much more streamlined.

Overall, the Birch Lane Mastercard hits all of the right notes and would be an excellent addition to the wallet of any DIY fanatic that also likes to dabble in design.

The information related to Birch Lane 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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