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You'll get $40 off the first purchase you make with the card that is over $250. However, the card's biggest benefit is the special financing you'll receive on orders of $500 or more. Keep in mind, though, that the special financing rates only apply for the first 12 months. After that, you'll be paying the standard APR that come with the card. If you think you'll carry the balance for more than a year, you might want to consider another card.

You have to have the Wayfair credit card in order to participate in Wayfair's reward program. As a member of that program, you'll receive points for every purchase you make. Those points can be used toward purchases made at Wayfair, Joss & Main, AllModern, Birch Lane, DwellStudio and Wayfair Supply. They cannot be redeemed for other rewards, such as a Wayfair gift card.

While not limited to cardholders, you'll also have access to Wayfair customer service. It might not sound like much, but the store's customer service is known to be excellent.