Williams Sonoma Key Rewards Visa
10 percent back in Key Rewards welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagecapitalone.com
“Feel right at home with a welcome bonus of 10% back in rewards for your first 30 days, and 5% thereafter at Pottery Barn, Williams Sonoma, West Elm & more.”
- 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 | $265 | $265 |
| Typical spender | $625 | $625 |
| Heavy spender | $1,200 | $1,200 |
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 100% 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
10% back in rewards for Net Eligible purchases at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham during the first 30 days from account opening; 5% thereafter.
How you earn · Key Rewards
- 5%Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham
- 4%grocery stores
- 4%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.” |
| 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
- $25 birthday rewards certificate issued during the cardmember's birthday month, subject to having a valid email address and U.S. mailing address, an open and current account, and a purchase during the prior 12 months. The certificate must be redeemed within 30 days following issuance.
- Free standard shipping on eligible Williams Sonoma items within the contiguous 48 states when at least $0.01 is spent with the Key Rewards Visa and the card is the initial payment method.
- 12-month promotional financing with zero interest and 12 equal monthly payments on qualifying purchases of $750 or more at participating brands; rewards are not earned on these purchases.
- No annual fee.
- Card can be used at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, Mark & Graham, and anywhere Visa is accepted.
- Key Rewards can be redeemed at the participating brands online or in-store.
- Account management, virtual card access, card lock, AutoPay, and rewards tracking 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 a welcome bonus?
- 10 percent back in Key Rewards. capitalone.com, since Sep 29, 2026
- What credit do you need?
- Good-excellent Credit capitalone.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$85 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$25 a year
- West Elm Key Rewards VisaCapital One · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).