The Key Rewards Visa Signature

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Last updated on February 24th, 2023

Advertiser Disclosure Editorial Disclosure

The Key Rewards Visa

The Key Rewards Visa
Excellent uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Excellent
Visa Processing Network
None Annual Fee

The Key Rewards Visa

  • 29.99% variable based on the Prime Rate Regular Purchase APR
  • 29.99% variable based on the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

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.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • 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

The Key Rewards Visa Signature Card Review

The Key Rewards Visa Signature is a cash back rewards credit card that unlocks savings at seven brands in the Williams Sonoma portfolio. The card offers up to 5% back on select purchases, a double cash back welcome bonus for new account holders, and more – all for no annual fee.

Earn Up to 5% Cash Back with Seven Leading Brands

The Key Rewards Visa offers its greatest rewards with the seven brands that make up the Williams Sonoma family of brands. The card earns 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 Bran Teens
  • Mark & Graham
  • West Elm

Double Rewards for the First 30 Days

New accounts with the Key Rewards visa Signature also enjoy a special introductory bonus of 10% back across seven brands for their first 30 days from account opening. That 10% back is effectively double the cash back for the first month, making the card a solid option for Pottery Barn, West Elm, or Williams Sonoma customers planning on making a significant purchase after opening an account.

Earn 4% Back on Dining and Groceries

The Key Rewards Visa Signature is more than just a glorified store card, however. The card also earns impressive cash back on everyday categories that will help provide additional savings into the future.

Cardholders earn a huge 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 like GrubHub, Uber Eats, DoorDash, and more. This delivery inclusion acts as a side door into fast food at 4% back, so excluding fast food from the 4% back category isn’t too distressing.

How to Redeem Cash Back Rewards with the Key Rewards Visa Signature

If the cash back rewards with the Kew Rewards Card from Capital One are impressive, the redemption options are rather uninspired. The only redemption option for cash back is a reward certificate, redeemable in $20 denominations.

Every $20 of Rewards cardholders earn will receive a $20 rewards certificate following 30 days. These rewards are sent automatically and apply only to future purchases with the card or member account at all Williams-Sonoma brands.

While the lack of redemption options might be frustrating, the card offers significant value for those who prioritize savings with a particular brand but don’t want the closed-loop hassle that comes from a  store card.

key rewards visa card designs

Special Williams Sonoma Benefits and Savings

The Key Rewards Card also comes with a suite of special perks for cardholders, including special promotional financing. Cardholders enjoy 12-month promotional financing on $750 or more purchases with the seven brands in the Williams Sonoma portfolio. However, any purchases that are made using the promotional financing option do not earn cash back rewards – something to keep in mind.

Cardholders also enjoy free standard shipping on Williams Sonoma purchases and earn a $25 birthday reward via email on their birthday.

An Average APR for Everyone

Retail credit cards tend to have higher interest rates than other rewards credit cards – and the Key Rewards Visa Signature is no different. The card features a fixed-rate APR of around 25% for purchases, balance transfers, and cash advances. While 25% seems high, that rate is in line with the average APR for retail credit cards – currently just under 25.5%.

Other Card Features

Other notable features of the card include:

  • Visa Zero Fraud Liability
  • Visa Signature Concierge
  • Roadside Dispatch
  • Auto Rental Collision Damage Waiver
  • Cardholder Inquiry Services
  • No annual fee

Should You Apply for the Key Rewards Visa Signature Card from Capital One?

Overall, there is a lot to love about the Key Rewards Visa Signature Card. The cash back rewards with the card are generous for brand-loyal customers, as is the 10% back with Williams Sonoma for the first 30 days. Add to that 4% back on groceries and dining, and you have an everyday credit card that helps offset Pottery Barn, West Elm, and Williams Sonoma purchases.

The card does have its drawbacks, however. There is no foreign transaction fee listed, meaning you likely can’t use the card for making purchases abroad. Similarly, the reward structure is limited to only reward certificates with Williams Sonoma companies.

Still, the card more than holds up to scrutiny – with many more pros than cons. Are you looking for a versatile retail card with a decent APR and excellent rewards earning potential? The Key Rewards Visa Signature Card might just be the card for you.

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