Williams Sonoma Key Rewards Credit Card
Basic Information
Program ID: williams-sonoma-key-rewards
Issuer: Capital One
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 16:11
Last Scraped: 01/15/2026 16:13
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: | Either $10 or 3% of the amount of each 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
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: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Rewards typically post within 1-2 billing cycles after the spend requirement is met.
Rewards Program
Reward Type: Not a Capital One Program
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A (This rewards program is not issued by Capital One. It is typically associated with Comenity Bank.)
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A (Program not offered by Capital One)
Transfer Partners: N/A (Program not offered by Capital One)
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
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
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, Capital One's Williams-Sonoma Key Rewards card is expected to maintain its core application and bonus eligibility. Applicants must generally possess good to excellent credit, meet Capital One's internal income and debt-to-income ratio requirements, and not have an excessive number of recent credit inquiries or new accounts. Eligibility for a new cardholder bonus (typically a percentage back in rewards or a discount on a first purchase) is usually restricted to new applicants who do not currently hold the Williams-Sonoma Key Rewards card and have not received a new cardholder bonus for this specific product within a recent period (e.g., the last 24 months). Capital One's general application rules, such as limits on new cards within a certain timeframe (e.g., 1-2 new cards every 6 months), will also apply.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, bust-out attempts, high cumulative credit limit across Capital One products, sudden drastic changes in spending patterns, consistent late payments, suspicious account activity, or applying for an excessive amount of credit too quickly across multiple issuers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent rewards rate (10%) at Williams Sonoma family brands; Valuable sign-up bonus; No annual fee; Access to exclusive cardholder offers.
Top Negative Feedback:
Lower rewards rate (1%) on general purchases; Rewards limited to store brands; Potentially high APR for some users; Limited redemption options outside of Williams Sonoma family.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards
- Capital One Quicksilver Cash Rewards
- Pottery Barn Key Rewards Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $325.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0