West Elm Key Rewards Credit Card
Basic Information
Program ID: west-elm-key-rewards
Issuer: Capital One
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 16:09
Last Scraped: 01/15/2026 16:11
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Rewards are typically posted to your account within 8-12 weeks after meeting the spending requirement, often appearing on your statement within 1-2 billing cycles.
Rewards Program
Reward Type: Store Credit/Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at West Elm and Williams Sonoma brands (Pottery Barn, Williams Sonoma, Mark and Graham, Rejuvenation, etc.)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Key Rewards points expire 12 months from issuance.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the West Elm Key Rewards card, issued by Capital One, is expected to maintain its core application and bonus rules, based on current Capital One policies and typical store card structures. **Bonus Rule:** New cardholders typically receive a sign-up bonus, such as a percentage back on their first West Elm purchase or a statement credit after meeting a specific spending threshold within the first 3 months of account opening. Specific bonus offers are subject to change annually and seasonally. **Eligibility Requirements:** Applicants must generally possess good to excellent credit (FICO score 670+ recommended) and meet Capital One's internal underwriting criteria. Capital One typically restricts new card approvals to applicants who have not opened more than two Capital One credit cards (excluding secured cards) in the past 24 months. Furthermore, applicants are generally limited to a maximum of five open Capital One credit card accounts at any given time. This card is primarily designed for individuals who frequently shop at West Elm and its affiliated brands (e.g., Pottery Barn, Williams Sonoma, Mark and Graham, Rejuvenation).
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across Capital One accounts, sudden drastic changes in spending patterns, frequent balance transfers without new spending, applying for too many cards in a short period (even non-Capital One), defaulting on other credit obligations, or providing inaccurate information on applications.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Excellent rewards program for frequent shoppers of West Elm and affiliated brands, offering significant savings on home furnishings and access to exclusive promotions.
Top Negative Feedback:
High variable APR makes carrying a balance costly; rewards are largely restricted to store credit, and the general spending reward rate is uncompetitive.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Target RedCard
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $250.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 80% Store / 20% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0
Last Updated: 07/29/2024 00:00