Birch Lane Credit Card (Wayfair family brand) — Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is $0 — no annual fee. The ongoing APR is 33.74% variable (new accounts, as of 09/22/2026). Approval typically requires a credit score of 670–799 or higher. Signup bonus: $40 Off your qualifying first order of $250. Rewards: 7% back in rewards on qualifying items at Birch Lane (or up to 60 months financing with 5% back); Wayfair Rewards. This product reports activity to your personal credit report. Pre-qualification available (soft pull)