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The Wayfair credit card can be used to make purchases at Wayfair, Joss & Main, AllModern, Birch Lane, DwellStudio and Wayfair Supply. If you want to make purchases at other stores, you should consider getting a different credit card.

If you decide to get a general credit card, think about getting one that offers rewards. With a rewards card you'll get at least a point per dollar spent on all purchases. That can add up quickly. Depending on the card you get, you can use those points for everything from plane tickets to cash back. It's a great way to get something for nothing.

While some rewards cards charge an annual fee, others do not. Getting a no-fee card is appealing for obvious reasons, but don't automatically discount cards that include a fee. If you use the benefits they offer, which are typically better than no-fee cards, you can easily cover the additional cost.