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Joss & Main Mastercard®

Cory Santos

| Last updated on October 4th, 2023

Joss & Main Mastercard®

Joss & Main 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: Good / Fair
Mastercard Processing Network
None Annual Fee

Joss & Main 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 Joss & Main Mastercard® lets design fans save up to 5% back on purchases with all five Wayfair family websites, enjoy special 0% APR financing on select purchases, and more – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 5% Back in Rewards at Joss & Main
  • 3% at grocery stores
  • 2% online
  • 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 are planning an interior design project
  • You plan to use your card for online purchases
  • You want a rewards card where rewards apply to one brand
  • You do't want to pay an annual fee

Joss & Main Mastercard® Review

The Joss & Main Mastercard® is a retail credit card from retailer Joss & Main (part of the Wayfair family) and Citi. The card, which features no annual fee, provides up to 5% cash back in-store with the brand and up to 3% back elsewhere.

Earn 5% Cash Back at Joss & Main

The main selling point with the Joss & Main Mastercard® is one of two special offers with the home furnishings brand. Cardholders can earn 5% back on purchases with Joss & Main or other Wayfair websites or opt for no interest financing for up to 24 months.

The 5% back on purchases is an excellent offer on par with many other retail cards. Plus, given the premium costs associated with many interior designs and home décor products, 5% back can be a real blessing.

The 24-month financing option is also standard but can provide some financial breathing space when remodeling a home, apartment, or other space. However, keep in mind that 0% APR only applies if the balance is paid, in full, before the end of the two years of special finance. Interest will be charged from the purchase date if the balance is not paid in full within the promotional period.

Earn Cash Back Online and on Groceries

The Wayfair savings with the Joss & Main Mastercard® are the same as the closed-loop Joss & Main Store Credit Card. Where the open-loop Mastercard differs is the savings it provides outside of Joss & Main stores.

Cardholders earn 3% at grocery stores and 2% on online purchases not made at Wayfair sites, plus 1% cash back on all other eligible purchases made with the card. 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. The Joss & Main card essentially operates as a 2% back card, like the Citi® Double Cash Card – 18 month BT offer or TD Bank Double Up Cards when used online – and given the popularity of options like PayPal or other services, the sky is the limit for online shopping.

Introductory Bonus

New card accounts enjoy $40 off your first order of $250 or more. This offer cannot be combined with any other financing offer or other Wayfair discounts.  Additional exclusions apply for select manufacturers, gift cards and purchases made with a Wayfair Professional profile.

How to Redeem Rewards with the Joss & Main Mastercard®

Redeeming cash back rewards with the Joss & Main Mastercard® is fairly easy. Cash back takes the form of rewards points, with 1% cash back + one point. Cardholders can redeem their rewards towards qualifying purchases at Wayfair family sites. Eligible sites are:


 Rewards are redeemable at a rate of 200 points for $6 in goods. Rewards members also have a limit of $2,500 in Wayfair Credit Card Reward Dollars per month.

Points with the Joss & Main Mastercard® never expire – a great feature since normal Wayfair Rewards members have points expire three months after they are earned.

Financing Plans

The Joss & Main Mastercard®, like other retail cards, comes with special financing plans on select purchases. This option is known as “no interest financing if paid in full” and applies for select purchases for up to 24 months:

  • 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 card include:

  • Zero Fraud Liability: Cardholders pay nothing if their card is subject to unauthorized use or theft.
  • Mastercard Global Service: Emergency assistance nearly anywhere in the world, 24/7. Services include lost card reporting and replacement, emergency cash disbursement, and more.
  • ID Theft Protection: Complimentary credit report monitoring that alerts cardholders to any changes or fraud concerns.

Should You Apply for the Joss & Main Mastercard® Credit Card?

Retail credit cards tend to be a mixed bag, with some providing value only with select stores. Not so with the Joss & Main Mastercard®, however.

The card offers 5% back and the choice of special financing with the Wayfair family of online brands – including names like Wayfair, All Modern, and Joss & Main. However, the card takes things a step further and provides an impressive 3% back on groceries – and 1% back on all online purchases outside of Wayfair.

That unique combination of cash back rewards categories makes the Joss & Main Mastercard® an excellent option for those planning on remodeling their home, apartment, or office, as they can rack up savings everywhere Mastercard is accepted, and the apply those rewards towards their design project – all for no annual fee.

The information related to Joss & Main 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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