Williams Sonoma Credit Card
Basic Information
Program ID: williams-sonoma-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:00
Last Scraped: 01/15/2026 10:34
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: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $1.00
Time Period: 30 days
Bonus Timing: Typically within 1-2 billing cycles after the first purchase posts, often within 48-72 hours for initial rewards.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Williams Sonoma Family Brands (Williams Sonoma, Pottery Barn, West Elm, Mark and Graham, Rejuvenation)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after they are earned.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Williams-Sonoma Credit Card, issued by BreadFinance, typically offers a sign-up bonus such as a percentage discount (e.g., 10-20%) on the first purchase made within a specified timeframe (e.g., 30 days) or a points bonus after meeting a minimum spend requirement. Eligibility generally requires applicants to be at least 18 years old, a U.S. resident with a valid Social Security Number, and possess a good to excellent credit history. Approval is subject to BreadFinance's credit underwriting standards, which assess creditworthiness, income, and existing credit obligations. Applicants are typically limited to one Williams-Sonoma branded credit card account.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: High cumulative credit limit across multiple BreadFinance (Comenity) accounts, extended periods of inactivity, sudden large purchases inconsistent with historical spending patterns, suspected manufactured spending, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.3 / 5.0
Top Positive Feedback:
Excellent rewards for frequent shoppers at Williams Sonoma and affiliated brands (Pottery Barn, West Elm), especially the initial bonus and ongoing 5% back. Good for financing large purchases and exclusive cardholder events.
Top Negative Feedback:
Frequent complaints about Comenity Bank's customer service, difficult account management, high interest rates, and issues with reward redemption or unexpected account closures.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Pottery Barn Credit Card
- West Elm Credit Card
- Chase Freedom Unlimited
Card Value Score: 70.0 / 100
Est. Annual Rewards: $135.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0