Check if you are prequalifiable for the Wayfair credit card. This is not a loan application. The Wayfair Mastercard and Wayfair credit card expand the possibility of earning rewards for purchases with the cards (each with different reward structures) or receiving interest-free funding – not both. First, here`s an overview of each card`s reward offers: This Wayfair Comenity line of credit can be approved without a difficult loan application. Zero liability protection does not apply to these cards or certain Visa/MasterCard payment cards, including business cards, unregistered prepaid cards, gift cards or transactions that are not processed by Visa/MasterCard. Comenity Wayfair credit card reviews tell scary stories like reputable accounts that are shut down to deter customers` credit scores.