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The Key Rewards Visa review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
27.99% (Variable)
Interest Rate: Purchases
27.99% (Variable)
Balance Transfer
27.99% (Variable)
Balance Transfer
27.99% (Variable)
Rewards
1 - 4% cashback
Rewards
1 - 4% cashback
Signup Bonus
-
Signup Bonus
-


Am I eligible?


The Key Rewards Visa is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Forbes
Forbes

Unlike most store cards which typically limit your rewards within a single brand for rewards redemption, the Key Rewards Card* expands your rewards potential to seven stores within the Williams Sonoma Inc. family. But how often are you buying furniture and home decor? If you’re a frequent re-doer or...

- Jenn Underwood, Robin Saks Frankel, Forbes
NextAdvisor
NextAdvisor

The Key Rewards Visa from Capital One offers 5% back at participating stores — including Pottery Barn, West Elm, and Williams Sonoma — plus special financing offers on eligible purchases and a $25 birthday reward. You’ll get additional rewards on everyday spending, too, with 4% back at grocery store...

- Holly Johnson, NextAdvisor
BestCards
BestCards

Cardholders earn a huge 4% cash back on groceries and dining purchases, with all other purchases earning a base rate of 1% back. Keep in mind that the 4% back on dining does not include fast food, but does include food delivery services like GrubHub, Uber Eats, DoorDash, and more. This delivery incl...

- BestCards

Details


Interest Rates
Regular APR Interest Rate 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 0%
Cash Advance Fee 4%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $40.00

Maximum

Promotions
Sign up bonus

10% cash back across seven brands for your first 30 days from account opening.

Rewards
All Purchases 1% cash back
Restaurants 4% cash back
Gas No
Groceries 4% cash back
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

5% cash back on online and in store purchase across seven brands

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits
  • 12-month promotional financing on purchases of $750 or more. Promotional financing availability may be limited in certain stores.
  • $25 birthday reward sent to your email.
  • Free standard shipping at Williams Sonoma.
  • Exclusive perks, including birthday bonus, early access to events, and free design services
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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