The Key Rewards Visa
10 percent back in Key Rewards welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagecapitalone.com
“Plus, earn even more with 10% back in rewards on participating brands for your first 30 days.”
- Annual fee
- Issuer's pagecapitalone.com
“Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.”
- Purchase APR
- Issuer's pagecapitalone.com
“Key Rewards Visa: Purchase APR: 29.24% variable APR; Balance Transfer APR: 29.24% variable APR; Cash Advance APR: 29.24% variable APR.”
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $230 | $230 |
| Typical spender | $515 | $515 |
| Heavy spender | $985 | $985 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
10 Rewards
Net Eligible purchases made at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham
New cardmembers earn 10% back during the first 30 days from account opening; 5% back applies thereafter. Existing or previous cardmembers are not eligible if they received a new cardmember bonus for this product in the past 48 months.
How you earn · Key Rewards
- 10%Net Eligible purchases at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham, excluding GreenRow, during the first 30 days from account opening
- 5%Net Eligible purchases at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham, excluding GreenRow, after the first 30 days
- 4%Net Eligible purchases at grocery stores, food delivery services, and restaurants
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagecapitalone.com “Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.” |
|---|---|
| Purchase APR | Issuer's pagecapitalone.com “Key Rewards Visa: Purchase APR: 29.24% variable APR; Balance Transfer APR: 29.24% variable APR; Cash Advance APR: 29.24% variable APR.” |
| Intro APR | Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer APR | Issuer's pagecapitalone.com “Key Rewards Visa: Purchase APR: 29.24% variable APR; Balance Transfer APR: 29.24% variable APR; Cash Advance APR: 29.24% variable APR.” |
| Balance transfer fee | Issuer's pagecapitalone.com “Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.” |
| Cash advance APR | Issuer's pagecapitalone.com “Key Rewards Visa: Purchase APR: 29.24% variable APR; Balance Transfer APR: 29.24% variable APR; Cash Advance APR: 29.24% variable APR.” |
| Cash advance fee | Issuer's pagecapitalone.com “Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.” |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Birthday rewards certificate: $25 annual
- A $25 birthday rewards certificate is issued during the cardmember's birthday month, subject to the stated eligibility requirements, and must be redeemed within 30 days following issuance.
- Free standard shipping on eligible items at Williams Sonoma within the contiguous 48 states, provided the cardmember spends $0.01 or more with the Key Rewards Visa in-store or online and pays directly with the card as the initial payment method.
- Qualifying purchases of $750 or more at Pottery Barn, West Elm, Williams Sonoma, and other listed participating brands may receive zero-interest financing with 12 equal monthly payments for 12 months. Rewards are not earned on promotional financing purchases.
- The card can be used at the eight listed family-of-brands locations and anywhere Visa is accepted. Key Rewards can be redeemed at the listed brands online or in-store.
- Account management, virtual card access, card lock, AutoPay, and rewards tracking are available through the Capital One Mobile app.
Questions
- What is the annual fee?
- $0 capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 29.24% APR capitalone.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 12 months. capitalone.com, since Sep 29, 2026
- Is there a welcome bonus?
- 10 percent back in Key Rewards. capitalone.com, since Oct 1, 2026
- What credit do you need?
- Good-excellent Credit capitalone.com, since Oct 1, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$195 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$135 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$110 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).