15
Benefits2
Reward Categories5x
Max Reward30.7%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Williams Sonoma Brands | 5x | Points | Purchases made at Williams Sonoma, Pottery Barn, West Elm, Mark & Graham, and Rejuvenation. | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Visa is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Key Rewards
Base Rate: 0.1x
Bonus Rate: 0.5x
Categories: Purchases at Williams Sonoma, Pottery Barn, West Elm, Mark and Graham, and Rejuvenation
Quarterly Rotating: No
Expiration Policy: Key Rewards expire 12 months after the date they are earned. Key Rewards Certificates expire 90 days from the date of issuance.
Point Value: 0.1¢
Travel Portal Multiplier: 1x
Redemption Penalties: Key Rewards Certificates have an expiration date.
Benefits & Protections (Detailed) 15 Total
PENDINGFinancial 2
No Annual Fee
No feeThe credit card does not charge an annual fee.
Special Financing Offers
VariesOpportunity to take advantage of special financing promotions on eligible purchases.
Purchase Protection 2
Purchase Security
Up to $500 per claim, $50,000 per cardholderCovers eligible new purchases against theft or damage for a specified period (typically 90 days) from the date of purchase. Limits apply per claim and per cardholder.
Extended Warranty Protection
Up to 1 additional year, $10,000 per claim, $50,000 per cardholderExtends the manufacturer's original U.S. warranty by an additional year on eligible items with warranties of three years or less. Limits apply per claim and per cardholder.
Security 3
Visa Zero Liability Protection
Full protectionProtects cardholders from unauthorized purchases made with their card or account information. Cardholders are not held responsible for fraudulent charges.
ID Navigator Powered by NortonLifeLock
Identity theft protectionProvides tools to help keep you informed of potential identity threats. Enrollment required.
Lost/Stolen Card Reporting
Assistance with card securityAssistance with reporting a lost or stolen card and preventing unauthorized use.
Shopping 3
Accelerated Rewards Earning at Key Rewards Brands
4% back in rewardsEarn 4% back in rewards on purchases made at Williams Sonoma, Pottery Barn, West Elm, Mark and Graham, and Rejuvenation.
Standard Rewards Earning Everywhere Else
1% back in rewardsEarn 1% back in rewards on purchases made everywhere else Visa is accepted.
Exclusive Cardmember Offers
VariesAccess to special promotions and discounts available only to Williams Sonoma Key Rewards Visa cardmembers.
Travel 2
Emergency Cash Disbursement & Card Replacement
Expedited cash and card replacementProvides emergency cash or a replacement card if your card is lost or stolen, typically within 1-3 business days.
Roadside Dispatch
Pay-per-use serviceA pay-per-use roadside assistance program. Cardholders can call for services like towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Fees apply per service call.
Travel Insurance 3
Travel and Emergency Assistance Services
Referral and coordination servicesProvides a range of assistance services when traveling, including medical and legal referrals, emergency transportation assistance, pre-trip assistance, and lost luggage assistance. Cardholders are responsible for the cost of any services received.
Auto Rental Collision Damage Waiver
Secondary coverageProvides secondary coverage for damage due to collision or theft for most rental cars when you decline the rental company's collision damage waiver (CDW) or similar option. Coverage is worldwide.
Travel Accident Insurance
Up to $250,000Provides accidental death and dismemberment coverage when you purchase your common carrier travel tickets with your eligible Visa card. Coverage applies during travel on a common carrier.
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
PENDING$25
Cash BackFee 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 |
| 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
PENDINGStandard APR
Purchase APR: 30.74% - 30.74%
Balance Transfer APR: 30.74%
Cash Advance APR: 31.74%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, new cardholders for the Williams-Sonoma Key Rewards Visa are expected to receive a bonus offer, typically a percentage back in rewards or a statement credit, upon account opening or after meeting an initial spend threshold within the first 90 days. Rewards are earned on purchases at Williams-Sonoma brands (Williams Sonoma, Pottery Barn, West Elm, etc.) and elsewhere. Eligibility requirements include generally good to excellent credit (FICO score 670+ recommended), a stable income, and a favorable debt-to-income ratio. Synchrony may also consider existing credit relationships with the issuer, recent credit inquiries, and overall credit profile. Applicants must be 18 years or older and a US resident.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not have widely published 'cliff effect' rules similar to other major issuers (e.g., Chase 5/24). However, the issuer assesses total credit exposure across all Synchrony accounts. Applying for too many Synchrony cards or accumulating a very high cumulative credit limit may lead to application denials or account reviews, rather than specific rewards program restrictions.
Special Events: Exclusive cardholder-only sales events, bonus rewards days on specific product categories or brands (e.g., Pottery Barn, West Elm), early access to new collections, and special financing offers on large purchases.
Holiday Promos: Black Friday/Cyber Monday, Friends & Family sales, seasonal clearance events (e.g., Spring, Summer, Fall, Winter sales), and specific holiday promotions (e.g., Mother's Day, Father's Day, Christmas).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Excellent rewards for frequent shoppers of Williams-Sonoma family brands (Williams-Sonoma, Pottery Barn, West Elm, etc.). Offers a sign-up bonus and decent everyday rewards on eligible purchases.
Top Negative:
High annual percentage rate (APR) makes carrying a balance expensive. Customer service from Synchrony Bank is frequently criticized. Rewards are limited to redemption within Williams-Sonoma family brands, reducing flexibility.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Citi Custom Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $350.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v2023-10