Williams Sonoma Credit Card

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19

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: williams-sonoma-credit-card

Issuer: BreadFinance

Card Name: Williams Sonoma Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:00

Last Scraped: Feb 07, 2026 03:46

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The issuer provides a Servicemembers Civil Relief Act (SCRA) Notice. Servicemembers with questions about their account can call 1-800-252-2551 or visit comenity.net/williamssonoma to learn more about their SCRA benefits.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Williams Sonoma Family Brands 5x Points Purchases made at Williams Sonoma, Pottery Barn, West Elm, Mark and Graham, and Rejuvenation stores and online. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 19 Total
PENDING
Dining 1
Visa Signature Fine Wine & Food
Exclusive culinary offers

Access to exclusive culinary experiences, special offers at restaurants, and discounts on wine purchases.

Lifestyle 3
Birthday Offer
Special annual offer

Receive a special birthday offer each year as a cardholder.

Visa Signature Concierge
24/7 personalized assistance

Provides 24/7 personalized assistance for travel planning, dining reservations, entertainment tickets, and more.

Visa Signature Entertainment Access
Exclusive event access

Access to exclusive events, presale tickets, and special offers for concerts, sporting events, and other entertainment experiences.

Purchase Protection 3
Purchase Security
Up to $500 per claim, $50,000 per cardholder

Replaces, repairs, or reimburses you for eligible items of personal property purchased with your eligible Visa Signature card that are stolen or damaged within 90 days of the purchase date.

Extended Warranty Protection
Up to $10,000 per claim, $50,000 per cardholder

Extends the manufacturer's original U.S. warranty by one additional year on eligible items purchased with your eligible Visa Signature card, for warranties of three years or less.

Return Protection
Up to $250 per item, $1,000 per year

Reimburses you for eligible items that you purchased with your eligible Visa Signature card within 90 days of purchase and are dissatisfied with, if the store will not accept the return.

Security 2
Zero Liability Protection
Protection against unauthorized charges

Protects cardholders from unauthorized purchases made with their card or account information. Cardholders are not responsible for fraudulent charges.

ID Navigator Powered by NortonLifeLock
Identity theft protection tools

Provides tools to help protect against identity theft, including dark web monitoring, data breach notifications, and restoration assistance.

Shopping 4
Welcome Offer - First Purchase Discount
20% off first purchase

Get 20% off your first purchase when you open and use your new Williams Sonoma Visa Signature Credit Card.

Rewards Earning - Williams Sonoma Brands
5% back in Rewards

Earn 5% back in Rewards on purchases made at Williams Sonoma, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Mark and Graham, and Rejuvenation.

Rewards Earning - Everywhere Else
1% back in Rewards

Earn 1% back in Rewards on purchases made everywhere else Visa is accepted.

Reward Redemption
$10 certificates for 1,000 points

Rewards are issued as certificates in $10 increments for every 1,000 points earned. Certificates expire 90 days from issuance and can be used at Williams Sonoma, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Mark and Graham, and Rejuvenation.

Travel 2
Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program that provides services like towing, tire changing, jump starting, lockout service, fuel delivery, and winching.

Visa Signature Luxury Hotel Collection
Premium hotel benefits

Access to a curated collection of hotels worldwide with premium benefits like best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).

Travel Insurance 4
Auto Rental Collision Damage Waiver
Up to actual cash value of vehicle

Provides secondary coverage for damage due to collision or theft of most rental vehicles when you pay for the entire rental transaction with your eligible Visa Signature card and decline the rental company's collision damage waiver (CDW) or similar option.

Lost Luggage Reimbursement
Up to $3,000 per trip

Reimburses you for the replacement of your checked or carry-on luggage and its contents if lost or stolen due to the fault of the common carrier when you pay for the entire common carrier fare with your eligible Visa Signature card.

Trip Cancellation/Interruption Insurance
Up to $1,500 per trip

Reimburses you for non-refundable passenger fares if a trip is canceled or interrupted for covered reasons, such as accidental bodily injury, sickness, or death.

Travel and Emergency Assistance Services
Referral service

Provides a referral service for medical, legal, and travel emergencies when you're away from home. Cardholders are responsible for the cost of any services received.

Benefits Summary (Flags)
PENDING

Extended 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 Back

Requirement: Spend $250 in 90 days

Timing: Welcome Reward will be issued within 60 days of meeting the spend requirement.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 or 12 Months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requires applicant to be 18+ years old, a US resident with a valid SSN/ITIN. Approval is subject to creditworthiness, typically requiring fair to good credit. New cardholder bonuses often include a percentage off the first purchase (e.g., 10-20%) or a statement credit after meeting a low spend threshold within the initial months.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: High credit utilization on the card, missed or late payments, rapid accumulation of multiple new credit accounts (especially from Bread Financial), significant adverse changes to credit score, or exceeding internal cumulative credit limit thresholds across all Bread Financial accounts.

Cliff Effect Rules: While there are no direct 'card family' bonus restrictions, Bread Financial is sensitive to overall credit exposure. Holding too many Bread Financial cards or having a very high cumulative credit limit across their portfolio can lead to denials for new applications or credit limit reductions on existing accounts.

Special Events: Exclusive cardholder discounts on specific product categories, double or triple rewards points days, special financing offers (e.g., 0% APR for 6-12 months on purchases over a certain amount), early access to sales or new product launches, and birthday rewards.

Holiday Promos: Major retail holidays (Black Friday/Cyber Monday, Christmas/New Year), seasonal sales (Spring, Summer, Fall), and specific gift-giving holidays (Mother's Day, Father's Day, Valentine's Day), as well as long weekend sales (Memorial Day, Labor Day, 4th of July).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Generous rewards for loyal Williams Sonoma shoppers; easy approval process for store credit; special financing offers available.

Top Negative:
High Annual Percentage Rate (APR); frequent complaints about Comenity Bank customer service; rewards are limited to Williams Sonoma family of brands; limited general utility outside the store.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One SavorOne Cash Rewards Credit Card
  • Target RedCard

Card Value Score: 65.0 / 100

Est. Annual Rewards: $200.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: February 2024