0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Not a Capital One Program
Base Rate: 0x
Bonus Rate: 0x
Categories: N/A (This rewards program is not issued by Capital One. It is typically associated with Comenity Bank.)
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: N/A (Program not offered by Capital One)
Point Value: 0¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A (Program not offered by Capital One)
Redemption Penalties: N/A (Program not offered by Capital One)
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
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
Global Entry Credit: $0
TSA PreCheck Credit: $0
Sign-Up Bonus
PENDING$50
Cash BackRequirement: Spend $500 in 90 days
Timing: Rewards typically post within 1-2 billing cycles after the spend requirement is met.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 0%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: 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.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: While the Venture X 'once per lifetime' bonus restriction applies specifically to that premium product, Capital One maintains overall limits on the number of cards an individual can hold. Reaching this issuer-wide limit (typically around 5 personal Capital One credit cards) can create a 'cliff effect,' preventing approval for new Capital One cards, including store cards like Williams-Sonoma Key Rewards, even if you are otherwise eligible for its specific bonus. This means that even if you haven't had the Williams-Sonoma card before, you might be denied if you've hit your overall Capital One card limit.
Special Events: Cardholders can expect exclusive discounts, early access to sales events (e.g., seasonal clearances, new collection launches), and bonus rewards points promotions tied to specific Williams-Sonoma family brand events throughout the year (e.g., Williams-Sonoma, Pottery Barn, West Elm, Rejuvenation, Mark and Graham, etc.).
Holiday Promos: Enhanced rewards or special discounts are highly likely during major retail holiday periods such as Black Friday, Cyber Monday, the entire December holiday shopping season, Mother's Day, Father's Day, and other key seasonal sales events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Excellent rewards rate (10%) at Williams Sonoma family brands; Valuable sign-up bonus; No annual fee; Access to exclusive cardholder offers.
Top Negative:
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: 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
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0