10
Benefits1
Reward Categories5x
Max Reward32%
APR FromBasic Information
PENDINGRewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Key Rewards Brands | 5x | Cash Back | Purchases made at West Elm, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, Williams Sonoma, Williams Sonoma Home, Mark & Graham, and Rejuvenation. | No Cap |
Rewards Summary
PENDINGReward Type: Store Credit
Base Rate: 0.01x
Bonus Rate: 0.05x
Categories: Purchases at West Elm, Williams Sonoma, Pottery Barn, and other Key Rewards brands
Quarterly Rotating: No
Expiration Policy: Key Rewards expire 90 days from issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 10 Total
PENDINGFinancial 1
No Annual Fee
$0 annual feeThe Key Rewards Credit Card does not charge an annual fee.
Lifestyle 2
Complimentary Design Services
Complimentary design servicesAccess complimentary design services as a member of The Key Rewards program, including credit card holders.
Concierge Service
Concierge serviceAccess concierge service as a member of The Key Rewards program, including credit card holders.
Shopping 7
Rewards Earning Rate
5% back in rewardsEarn 5% back in rewards on eligible purchases made at West Elm, Pottery Barn, Williams Sonoma, Mark and Graham, and Rejuvenation with The Key Rewards Credit Card.
Special Financing Offer
12 months special financingReceive 12 months of special financing on single purchases of $750 or more made with The Key Rewards Credit Card.
Free Shipping
Free shippingEnjoy free shipping on most eligible purchases made as a member of The Key Rewards program, which includes credit card holders.
Exclusive Offers
Access to exclusive offersAccess exclusive offers available to members of The Key Rewards program, including credit card holders.
Early Access to New Products
Early accessGet early access to new product releases as a member of The Key Rewards program, including credit card holders.
Birthday Reward
Birthday rewardReceive a special reward during your birthday month as a Key Rewards Credit Card member.
Early Access to Sales
Early access to salesGet early access to sales events as a Key Rewards Credit Card member.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$25
Cash BackFee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 31.99% - 31.99%
Cash Advance APR: 32.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 24 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The West Elm Key Rewards Credit Card is issued by Synchrony Bank. Eligibility requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number or ITIN, subject to credit approval. The typical welcome offer involves a percentage back in rewards on West Elm purchases, often with an initial discount (e.g., 10% off first purchase) or a bonus reward after meeting a specific spend threshold within a short period (e.g., 90 days). Rewards are earned as Key Rewards dollars, redeemable at West Elm and other Williams-Sonoma brands. Standard creditworthiness criteria apply, though store cards can sometimes be more accessible than prime bank cards.
Max Cards Per Issuer: 5
Min Spend Interval: N/A for immediate first purchase discounts; typically 90 days for spend-based bonus offers.
Cliff Effect Rules: Synchrony does not typically have 'card family' specific cliff effects like major banks. However, your overall credit relationship with Synchrony (total credit extended, payment history across all Synchrony accounts) will influence approval for new Synchrony cards and potential credit limit adjustments. Having too many Synchrony accounts or a high cumulative credit limit can make it harder to get approved for additional Synchrony products.
Special Events: Regular promotional events tied to new product launches, seasonal collections, and specific sales (e.g., 'Friends & Family' sales, 'Warehouse' sales, 'Design Crew' events). Cardholders often receive early access or exclusive discounts during these periods.
Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Memorial Day, Labor Day, 4th of July, President's Day, and year-end clearance sales. Special promotions are common during these times.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Great rewards for frequent West Elm shoppers (5% back). Easy to get approved, especially for the store-only version. Promotional financing options can be useful for large purchases.
Top Negative:
Very high APR. Poor customer service from Synchrony Bank. Deferred interest promotions can be confusing and costly if not paid in full. Limited utility outside of West Elm.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Citi Custom Cash Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0