Wayfair

This card is worth it if Wayfair is already one of your regular places to shop for furniture, home goods, or larger household purchases. Earning 5% back at Wayfair with no annual fee is straightforward value, and that can add up quickly if you furnish rooms, move often, or regularly buy decor and home essentials from the brand.

For most other spending, though, the card is limited. The 1% back everywhere else is easy to understand but not especially strong, so it does not make much sense as your main card unless your spending is heavily concentrated at Wayfair. If you only shop there occasionally, a broader cash-back card will likely be more useful overall.