Williams Sonoma Key Rewards Visa

The Williams Sonoma Visa offers enhanced cash back rewards with the seven brands that make up the Williams Sonoma family of brands. Beyond Williams Sonoma and Williams Sonoma Home, the card earns 5% cash back on purchases at the following retailers, both online and in-store:

New accounts also enjoy a special introductory bonus of 10% back across seven brands for their first 30 days from account opening. This bonus doubles the card’s potential earning power – but only for the first month, so new cardholders must act fast to maximize their savings.

The card earns 4% cash back on groceries and dining purchases, with all other purchases earning a base rate of 1% back. Keep in mind that the 4% back on dining does not include fast food but does include food delivery services. Additionally, grocery store purchases do not include gas station or convenience store purchases or groceries purchased from large box stores like Walmart or Target.

Apply for the Store Card, too

What’s interesting about the Key Rewards credit cards from Capital One is that each option has two versions whether the West Elm, Pottery Barn, or Willaims Sonoma, Capital One offers both closed-loop and open-loop versions of its credit cards.

So, what’s the difference? A closed-loop credit card only works for purchases at the particular brand of families, meaning you can use the card to buy items in-person or online with any Williams Sonoma brand – but nowhere else. This credit card type is commonly known as a “store card.” The Visa versions of the cards are known as open-looped, meaning you can use them to make purchases anywhere in the world. Visa is accepted.

So what does this mean for you? When you apply for a Williams Sonoma branded Visa credit card from Capital One, you are also applying for the closed-loop store card version. Store cards typically have lower credit requirements than traditional credit cards, making them a great bet if you are new to unsecured credit.