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West Elm Key Rewards Visa review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
30.24% (Variable)
Interest Rate: Purchases
30.24% (Variable)
Balance Transfer
30.24% (Variable)
Balance Transfer
30.24% (Variable)
1 - 4% cashback
1 - 4% cashback
Signup Bonus
Signup Bonus

Am I eligible?

West Elm 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...


If you frequently shop at the Williams Sonoma brand’s stores, you will earn rewards quickly with the West Elm Key Rewards Credit Card. It’s also a good option for those who want to earn rewards from grocery stores and restaurants.

- Brett Holzhauer, MoneyGeek

It is a co-branded retail and cash back rewards credit card that unlocks savings at West Elm shops and the six other brands in the Williams Sonoma portfolio of companies. The card offers up to 5% back on select purchases, exclusive discounts, special financing, and more with Williams Sonoma brands....

- BestCards


Interest Rates
Regular APR Interest Rate 30.24% (Variable)

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

Balance Transfer Interest Rate 30.24% (Variable)

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

Cash Advance Interest Rate 30.24% (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% 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
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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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