The Key Rewards Visa Signature
- Annual fee
- None
- Recommended credit
- Excellent
- Card network
- Visa
- Regular purchase APR
- 29.99% variable based on the Prime Rate
At a glance
The Key Rewards Visa Signature Card is a retail card that offers up to 5% cash back rewards with seven brands in the Williams Sonoma portfolio. The card also earns 4% back on dining and groceries, with rewards taking the form of $20 certificates.
Our review of the The Key Rewards Visa Signature
The Key Rewards Visa Signature is a top-tier cash back credit card that unlocks savings at seven popular brands within the Williams Sonoma portfolio. This card offers up to 5% cash back on select purchases, a generous double cash back welcome bonus for new account holders, and more – all with no annual fee.
Earn Up to 5% Cash Back with Seven Leading Brands
The Key Rewards Visa stands out with its exceptional rewards program at the Williams Sonoma family’s seven brands. Cardholders can earn 5% cash back on purchases at the following retailers, both online and in-store:
- Williams Sonoma
- Williams Sonoma Home
- Pottery Barn
- Pottery Barn Kids
- Pottery Barn Teens
- Mark & Graham
- West Elm
Double Rewards for the First 30 Days
New Key Rewards Visa Signature account holders can enjoy a special introductory bonus of 10% cash back across all seven brands for the first 30 days after account opening. This effectively doubles the cash back rewards for the initial month, making it a fantastic option for those planning significant purchases at Pottery Barn, West Elm, or Williams Sonoma.
Earn 4% Back on Dining and Groceries
In addition to its store benefits, the Key Rewards Visa Signature offers impressive cash back on everyday categories. Cardholders can earn a generous 4% cash back on dining and groceries, with all other purchases earning a base rate of 1% back. Notably, the 4% back on dining includes popular food delivery services like GrubHub, Uber Eats, and DoorDash, providing additional savings opportunities.
Apply for the Store Card, too
Capital One offers both closed-loop and open-loop versions of its Key Rewards credit cards. The closed-loop store card is specific to purchases within the brand families, while the open-loop Visa card can be used worldwide. When applying for a Visa credit card from Capital One, you also receive the closed-loop store card version, which can be beneficial for those with limited credit history.
How to Redeem Cash Back Rewards
While the Key Rewards Visa Signature offers impressive cash back rewards, the redemption options are limited to reward certificates in $20 denominations. Cardholders will receive a $20 rewards certificate for every $20 earned, redeemable for future purchases within the Williams Sonoma brands.
Overall, the Key Rewards Visa Signature Card is a top choice for individuals seeking significant savings with their favorite brands without the restrictions of a closed-loop store card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Earn 5% back online and in stores across seven brands
- Earn 4% back at grocery stores and restaurants (excludes fast food)
- Earn 1% Back on all other purchases
- 10% back across seven brands for your first 30 days from account opening.
- Special 12-month promotional financing on purchases of $750 or more
- Free standard shipping at Williams Sonoma
Who this card may suit
- You frequently shop at Pottery Barn, West Elm, Williams Sonoma, or Mark & Graham
- You want a store card that also earn rewards on groceries and dining
- You don’t want to pay an annual fee
- You have excellent credit
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 29.99% variable based on the Prime Rate |
| Balance Transfer APR | 29.99% variable based on the Prime Rate |
| Balance Transfer Transaction Fee | 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR. |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 4% of the amount of each cash advance, whichever is greater. |
| Late Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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The Key Rewards Visa Signature
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