11
Benefits2
Reward Categories5x
Max Reward32.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Home Furnishings & Decor | 5x | Cash Back | Purchases made at Williams Sonoma, Pottery Barn, West Elm, Mark and Graham, and Rejuvenation stores, websites, and catalogs. | No Cap | |
| All Other Purchases | 1x | Cash Back | Purchases made everywhere else Visa is accepted (Key Rewards Visa Card only). | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: Purchases at Williams Sonoma, Pottery Barn, West Elm, Mark and Graham, and Rejuvenation
Quarterly Rotating: No
Expiration Policy: Key Rewards points expire 12 months from the date they are issued.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards are issued as certificates in increments (e.g., $10, $20, $25) which typically expire 90 days from issuance. Certificates must be used in full; no change or credit is given for unused portions. Certificates cannot be used for gift cards, prior purchases, or certain services.
Benefits & Protections (Detailed) 11 Total
PENDINGFinancial 1
No Annual Fee
$0 annual feeThe credit card has no annual fee.
Financing 2
Special Financing Offer (12 Months)
0% APR for 12 monthsEnjoy 0% APR for 12 months on qualifying purchases of $750 or more. Subject to credit approval.
Special Financing Offer (24 Months)
0% APR for 24 monthsEnjoy 0% APR for 24 months on qualifying purchases of $1500 or more. Subject to credit approval.
Lifestyle 3
Exclusive Offers and Events
Access to exclusive offers and eventsCardmembers receive access to exclusive offers and invitations to special events.
Early Access to New Products
Early accessCardmembers receive early access to new product launches.
Complimentary Design Services
Complimentary design servicesCardmembers have access to complimentary design services.
Shopping 4
Accelerated Rewards Earning (Brand Stores)
5% back in rewardsEarn 5% back in rewards on eligible purchases made at Williams Sonoma, Pottery Barn, West Elm, Mark and Graham, and Rejuvenation. Rewards are issued as Key Rewards.
Standard Rewards Earning (Everywhere Else)
1% back in rewardsEarn 1% back in rewards on eligible purchases made everywhere else Visa credit cards are accepted. Rewards are issued as Key Rewards.
Welcome Offer - First Purchase Discount
20% offNew cardmembers receive 20% off their first purchase at Williams Sonoma, Pottery Barn, West Elm, Mark and Graham, or Rejuvenation when using their new card.
Welcome Offer - Free Standard Shipping
Free standard shippingNew cardmembers receive free standard shipping on their first purchase at Williams Sonoma, Pottery Barn, West Elm, Mark and Graham, or Rejuvenation when using their new card.
Status Benefits 1
Key Rewards Program Membership
Automatic enrollmentCardmembers are automatically enrolled in the Key Rewards program, granting access to program benefits.
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
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee 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 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Cash Advance APR: 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Williams-Sonoma Key Rewards Card requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number or ITIN, and subject to credit approval by Synchrony Bank. As of 2026, new cardholders are typically offered an introductory bonus, such as 10% back in rewards on their first purchase made at Williams Sonoma, Pottery Barn, West Elm, or other Key Rewards brands, within 30-90 days of account opening. Ongoing rewards are 5% back in rewards on eligible purchases at Key Rewards brands, issued as reward certificates.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: The Williams-Sonoma Key Rewards Card is an enhancement to the existing Key Rewards loyalty program, which spans Williams Sonoma, Pottery Barn, West Elm, and other affiliated brands. While there isn't a 'cliff effect' related to bonus eligibility for other cards, cardholders receive elevated benefits (e.g., higher initial rewards, exclusive offers) that build upon the base loyalty program structure.
Special Events: Cardholders frequently receive early access to major sales events (e.g., Friends & Family, seasonal clearances), exclusive cardholder-only discounts, and special financing offers during promotional periods specific to Williams Sonoma and its affiliated brands.
Holiday Promos: Expect enhanced rewards, special financing offers, or exclusive discounts during major retail holidays such as Black Friday, Cyber Monday, the extended Christmas/Holiday Season, Memorial Day, Labor Day, and other seasonal sales events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Good rewards for frequent shoppers at Williams Sonoma brands; free shipping is a nice perk; easy to get approved.
Top Negative:
High APR; rewards are only useful for store purchases and expire; customer service issues with Synchrony; low rewards rate outside of store brands.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
- Citi Double Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $220.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: March 2024