Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

The Key Rewards Visa review

Compare Compare  
Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
29.99% (Variable)
Interest Rate: Purchases
29.99% (Variable)
Balance Transfer
29.99% (Variable)
Balance Transfer
29.99% (Variable)
1 - 4% cashback
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...


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

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

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


Interest Rates
Regular APR Interest Rate 29.99% (Variable)

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

Balance Transfer Interest Rate 29.99% (Variable)

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

Cash Advance Interest Rate 29.99% (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 3%

Minimum of $3

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


Sign up bonus

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

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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with The Key Rewards Visa

Rate It: