Starting with:
Do what you want and more with these great perks. Take $40 off your qualifying first order of $250 or more, plus no annual feel. Refer to the rewards and no annual fee section of disclosure number one.
Already a cardmember?Manage Your Account
Do what you want and more with these great perks:
5% BACK in Rewards at Joss & Main
Bonus: They never expire!1
or
No Interest Financing if Paid in Full up to 24 Months1
on qualifying orders.
Interest will be charged from purchase date if balance is not paid in full within promotional period.
On each order, choose between 5% back in rewards at Wayfair that never expire. Or No interest financing if paid in full up to 24 months on qualifying orders. Refer to the Rewards section of disclosure number one.
See if you pre-qualify.
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See if you pre-qualify for the Wayfair Credit Card. Refer to the Rewards section of disclosure number one.
It takes seconds and doesn't affect your credit score.
The right card for you is one easy application away!
Joss & Main Mastercard®
Joss & Main Credit Card
Earn Rewards and more when you shop at Joss & Main.
$40 OFF your qualifying first order of $250+
if you choose Rewards
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$40 off your qualifying first order of $250 or more if you choose Rewards. Applicable to both Joss & Main Mastercard and Joss & Main Credit Card. Refer to the Rewards section of disclosure number one.
No annual fee
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Plus, your choice between two perks on each order:
5% BACK in Rewards at Joss & Main
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OR
No interest financing if paid in full up to 24 months on qualifying orders
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Earn Joss & Main Rewards on qualifying purchases
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everywhere else you shop.3% at grocery stores
With the Wayfair Mastercard, earn 3% at grocery stores.
2% online
With the Wayfair Mastercard, earn 2% on online purchases.
1% everywhere else
With the Joss & Main Mastercard, earn 3% at grocery stores, 2% on online purchases, and 1% everywhere else.
Frequently Asked Questions
The Joss & Main Credit Card and Joss & Main Mastercard can be used across all Wayfair retail sites: wayfair.com, jossandmain.com, allmodern.com, birchlane.com, and perigold.com. The Joss & Main Mastercard can also be used anywhere Mastercard is accepted.
Nope! The Joss & Main credit cards share one easy application. When you apply, you will be considered for both the Joss & Main Credit Card and the Joss & Main Mastercard. If you’re approved for both, you will be able to choose the card you want.
Submitting a full application will create a “hard inquiry” on the credit bureau used, which may impact your credit score at that bureau. If you aren’t eligible for a Joss & Main credit card, your application may also be considered by our Wayfair Financing network of alternative lenders and Lease-to-Own partners.
Financing options are available across all participating Wayfair sites with the Joss & Main Credit Card and Joss & Main Mastercard. See below for currently available plans. To apply financing, use your Joss & Main Credit Card or Joss & Main Mastercard to pay and select your desired financing plan at checkout. If your order qualifies for multiple financing plans, you will be presented with eligible options and can select one to apply to your order. If you would like different financing plans for each product in your order, please place multiple orders. Financing is not available for Wayfair in-store purchases.
No Interest Financing if paid in full up to 24 months
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Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Valid through 05/31/2024.
- 6 month
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Financing on orders over $199 - 12 month
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Financing on orders over $799 - 18 month
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Financing on orders over $1499 - 24 month
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Financing on orders over $2999
Major Purchase Plans*
Valid through 05/31/2024.
- 9.99% APR for 36 months* on orders over $1599
- 9.99% APR for 48 months* on orders over $1799
- 9.99% APR for 60 months* on orders over $1999
*With credit approval for qualifying purchases made on the Joss & Main Credit Card or Joss & Main Mastercard at participating Wayfair sites. Financing is not available for Wayfair in-store purchases. Additional monthly payments may be required if you have other balances or late payments. See card agreement for details. Offer valid for consumer accounts in good standing. May not be combined with introductory, rewards or other credit promotion offers.
- 6 month
Some promotional financing is offered on a periodic basis. Please always check when a promotional plan expires.
When you make a qualifying purchase on your Joss & Main Credit Card or Joss & Main Mastercard at a Wayfair retail site, you'll earn 5% BACK in Reward Dollars (note: Promotional financing purchases are not eligible to earn Rewards). Additionally, the Joss & Main Mastercard earns Rewards on qualifying purchases
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everywhere else you shop: 3% at grocery stores, 2% online, and 1% everywhere else. You can redeem your Rewards up to a maximum of $2500 in Reward Dollars per month on any of our retail sites by applying them in Checkout when you use your Joss & Main Credit Card or Joss & Main Mastercard. There’s no minimum threshold to redeem Rewards, and while your account is active they never expire! Additional terms and exclusions apply.
Click here
for the Credit Card Rewards Program Terms.
Click here
to see your balance.
Reward Dollars can only be redeemed when using a Joss & Main Credit Card or Joss & Main Mastercard to shop at Wayfair retail sites. If you close your credit account, you will lose access to any Reward Dollars you’ve earned, unless prohibited by law. Any rewards that are not forfeited upon closure will appear in your Wayfair Account as a store credit.
Your introductory offer, if applicable, may only be used on your first Joss & Main Credit Card order or first Joss & Main Mastercard order at one of Wayfair’s retail sites. Offer not available for purchases at Perigold.
Applying online is fast and easy. If approved, we’ll automatically add your new Joss & Main Credit Card or Joss & Main Mastercard to your saved payment methods so you can use it today. Joss & Main Mastercard cardmembers will receive their physical card and Joss & Main Credit Card cardmembers will receive a letter with account information about their digital card within 7-10 business days via US mail.
The Joss & Main Credit Card Program, issued by Comenity Bank, has ended. Your Account is no longer valid for new transactions. However, rewards that you've earned through September 10, 2020 can be redeemed until September 10, 2021. For any questions, please contact Comenity Bank Customer Care at 1-844-271-2567 (TDD/TTY: 1-800- 695-1788). We apologize for any inconvenience.
Click here
to pay your Citibank, N.A. Joss & Main Credit Card or Joss & Main Mastercard bill online or change your banking information. For more assistance or to pay over the phone, please call the Joss & Main Credit Services team for assistance at 1-800-365-2714, TTY: We accept 711 or other relay services. Check your Reward Dollars balance, manage your saved shipping addresses, and check your order status by logging into
My Account
on any of our retail sites. If you had a Joss & Main Credit Card issued by Comenity Bank, please
to pay your bill or manage your account.
You can reach your Joss & Main Credit Services team by visiting jossandmain.accountonline.com 24/7 or by phone at 1-800-365-2714, TTY: 1-877-354-0002.
They can assist you with:
- Paying your bill
- Registering for online bill pay and paperless statements
- Requesting a replacement for lost/stolen cards
- Adding authorized users (Mastercard only)
- Obtaining a copy of your billing statement
- Answering questions about your account
- Answering questions about your bill or transactions, including financing transactions
- Updating your account information
- Requesting a change to your credit limit
- … and more!
Joss & Main credit card applications can not be accepted via our Wayfair Customer Team. If you have questions about your order status, you can reach Wayfair Customer Service at 1-844-263-4868.
Chip cards are embedded with security technology that helps protect you from fraud when used at chip-enabled terminals, and they’re difficult to counterfeit. Contactless cards like the Joss & Main Mastercard, are the type of chip cards that can be tapped on the terminal, rather than inserted or swiped, when used at contactless enabled terminals.
You can apply for a Joss & Main credit card by completing the application with your personal information (name, home address, personal phone number, etc.). Applications submitted with information specific to your business will not be approved. Please note that this is a personal credit card.
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Rewards and Financing Details
Introductory Offer:
You will receive $40 off your qualifying first order if it is at least $250. Cannot be combined with any other discount or financing offers. Additional exclusions apply for select manufacturers, gift cards and purchases made with a Joss & Main Professional profile. Offer only applies to first Joss & Main order made with your Joss & Main Credit Card or Joss & Main Mastercard. Offer not available for purchases at Perigold. Minimum purchase amount excludes tax, shipping and other discounts. Subject to credit approval.
Rewards:
You will earn Reward Dollars on all Net Qualifying Purchases. For both the Joss & Main Credit Card and Joss & Main Mastercard you will earn 5% back in Reward Dollars when you use your card at Wayfair Sites. For the Joss & Main Mastercard, you will earn Reward Dollars when you use your card outside of Wayfair Sites: 3% at grocery stores; 2% for Qualifying Online Purchases not made at Wayfair Sites; and 1% on all other Net Qualifying Purchases made with your Joss & Main Mastercard. Qualifying Online Purchases are those made via a computer network, but not all online transactions will be considered Qualifying Online Purchases. Qualifying Online Purchases do not include the following types of purchases in the following categories: subscription, membership or recurring purchases; utilities, cable/satellite and telephone; insurance; medical and healthcare providers; government services, taxes and tolls; education including schools or other teaching institutions; contractor, professional, financial, legal, personal and business services; repair services; direct marketing; and purchases that manually are keyed by a merchant. You may only earn 1%, not 3%, for grocery or food purchases made at convenience stores, gas stations, warehouse clubs, supercenters and discount stores, and only 1%, not 2%, for purchases made through mobile/wireless technology depending on how the technology is set up to process the purchase. Merchants must submit charges under the appropriate merchant code or industry code to be eligible as Qualifying Online Purchases and/or Net Qualifying Purchases in the different categories. Neither Wayfair nor Citibank determine whether merchants appropriately identify all transactions made on a credit card, but Wayfair does reserve the right to determine which purchases qualify for Reward Dollars. Reward Dollars are not earned on returns, refunds, promotions or other credit adjustments, unauthorized or fraudulent charges, charges that violate the terms of your Card Agreement, balance transfers, cash advances or any other transaction treated like a cash advance, lottery tickets, gaming chips and similar transactions, interest, fees, purchases where promotional financing is applied and any portion of a purchase made with Reward Dollars. Reward Dollars have no cash value and are not redeemable for cash. You will forfeit unused Reward Dollars in certain circ*mstances including if your account is closed or participation in the program is terminated, unless prohibited by law. Any rewards that are not forfeited upon closure will appear in your Wayfair Account as a store credit. Additional terms and exclusions apply. The Joss & Main Credit Card and Joss & Main Mastercard Rewards Program is offered by Wayfair. Wayfair may withdraw the rewards program or change the terms of the program at any time for any reason. Citibank, N.A. is not responsible for products and services offered by other companies. See the full Joss & Main Credit Card and Joss & Main Mastercard Rewards Program Terms at jossandmain.com/JOSSANDMAINCARDTERMS.
No Annual Fee:
As of 08/01/2023 the Joss & Main Credit Card Purchase APR: variable 32.24%, Min. interest charge $2. Joss & Main Mastercard Purchase APR: variable 32.24%; Balance Transfer APR: variable 32.24%; Cash APR: 29.99%; balance transfer fee is the greater of $10 or 5% of the amount of each transfer, cash advance fee is the greater of $10 or 5% of the amount of each cash advance, Min. interest charge: $2; Fee for foreign purchases is 3% of the U.S. Dollar amount of each purchase.
No Interest Financing if paid in full up to 24 months*
- 6 month* Financing on orders over $199
- 12 month* Financing on orders over $799
- 18 month* Financing on orders over $1499
- 24 month* Financing on orders over $2999
Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Valid through 05/31/2024.
*With credit approval for qualifying purchases made on the Joss & Main Credit Card or Joss & Main Mastercard at participating Wayfair sites. Financing is not available for Wayfair in-store purchases. The following Purchase APR is accurate as of 08/01/2023 and will vary: 32.24%. Minimum interest charge: $2. Offer valid for consumer accounts in good standing. Promotional financing orders will not earn Rewards and are not eligible for the introductory offer. The suggested monthly payment stated is an estimate based on the listed purchase amount divided by the number of months in the promotional period. It excludes sales tax, is rounded to the next highest dollar amount and does not include additional payments that may be required for an existing balance or future transactions. In order to pay your promotional balance by the end of the period you may have to make a payment each month that is higher than your required minimum payment.
Major Purchase Plans*
Valid through 05/31/2024
- 9.99% APR for 36 months* on orders over $1,599
- 9.99% APR for 48 months* on orders over $1,799
- 9.99% APR for 60 months* on orders over $1,999
*With credit approval for qualifying purchases made on the Joss & Main Credit Card or Joss & Main Mastercard at participating Wayfair sites. Financing is not available for Wayfair in-store purchases. Additional monthly payments may be required if you have other balances or late payments. See card agreement for details. Promotional financing orders will not earn Rewards and are not eligible for the introductory offer.
Pre-Qualify:
See if you pre-qualify for the Joss & Main Credit Card. This is not an application for credit.
Joss & Main Credit Card & Joss & Main Mastercard is issued by Citibank, N.A.. Citi and Arc Design is a registered service mark of Citigroup Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
