- Sign-Up Bonus
- 0
- Spending Multipliers
- 4
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 4
- Credits & Features
- 1
- Fees
- 5
- Application
- 5
- Issuer
- NaN
The Capital One Williams Sonoma Key Rewards Credit Card is a no-annual-fee store card designed for shoppers with good credit who frequently purchase home décor, furniture, and kitchen items from Key Rewards brands. Cardholders earn 1% cash back on all purchases, with an extra 10% cash back on Key Rewards brands during the first 30 days, making it a strong option for customers planning larger home purchases. Additional perks include a $25 birthday reward and free standard shipping at Williams Sonoma, providing added value for loyal shoppers. While it lacks a welcome bonus and offers only a flat 1% cash back on general spending, this card is ideal for dedicated Key Rewards brand enthusiasts who want consistent rewards, exclusive early savings, and practical shipping benefits without paying an annual fee or foreign transaction fees.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Capital One has a strict 1/6 rule, meaning you can only apply for 1 Capital One card every 6 months
- Consider having at least a credit history for 2 year
- Capital One usually pulls from all 3 major credit bureaus
- See if you are pre-approved before applying
- Capital One states that for good credit, you may never have declared bankruptcy or defaulted in the past 5 years, not been more than 30 days late on a payment
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- 29.24% Variable APR
- 29.24% APR for Cash Advance
- $5 or 5% of each cash advance amount (whichever is greater)
- 29.24% APR for Balance Transfer
- 3% of each transfer amount