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West Elm Key Rewards Visa
West Elm 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 West Elm Key Rewards Visa offers up to 5% cash back rewards with seven brands in the Williams Sonoma portfolio – including West Elm. 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 brands
- 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 West Elm stores or any other Williams Sonoma brand
- You want a versatile retail card that also earns rewards on groceries and dining
- You don’t want to pay an annual fee and have an excellent credit score
Williams Sonoma Key Rewards Visa
Williams Sonoma 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 Williams Sonoma Key Rewards Visa Signature offers up to 5% cash back rewards with seven brands in the Williams Sonoma portfolio. The card. which also earns 4% back on dining and groceries, is the replacement for the old Williams Sonoma Visa from Comenity Bank.
- 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 brands
- 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 Williams Sonoma brand stores, either online or in-store
- You want a store card that also earns rewards on groceries and dining
- You don’t want to pay an annual fee and have excellent credit
Pottery Barn Key Rewards Visa
Pottery Barn 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 Pottery Barn Key Rewards Visa offers up to 5% cash back rewards with seven brands in the Williams Sonoma portfolio – including Pottery Barn, Pottery Barn Kids, and Pottery Barn Teens. 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 brands
- 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 or any other Williams Sonoma brand
- You want a store card that also earns rewards on groceries and dining
- You don’t want to pay an annual fee and have excellent credit
The Key Rewards Visa
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
Union Plus Cash Rewards
Union Plus Cash Rewards
- 17.9% - 27.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.9% - 27.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Union Plus Cash Rewards Card is an uncomplicated-yet-rewarding cash back card from the AFL-CIO and Capital One. Every purchase with the card earns 1.5% cash back, with no limit of the total number of rewards a cardholder can earn. The card also benefits from 0% intro APR for 12 months on purchases and balance transfers, enhanced union member rebates and discounts, and access to hardship grants – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for the first 12 months after opening account
- Unlimited 1.5% cash back on all purchases
- $0 fraud liability
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 17.9% - 27.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 17.9% - 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% for the first 12 months; None after that
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each Cash Advance, whichever is greate
- Late Payment Penalty Fee: Up to $38
- You're planning a significant purchase but want to stagger paying it off
- You have existing balances you want to pay down over a year
- You prefer earning fixed-percentage cash back over fluctuating category
- You do't want to pay an annual fee
- You're an AFL-CIO affiliated union member with excellent credit
Union Plus Rate Advantage
Union Plus Rate Advantage
- 15.9% - 25.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.9% - 25.9% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 15 months Intro Purchase APR
At a Glance
The Union Plus Rate Advantage Card is a balance transfer and low rate credit card issued through Capital One. The no annual fee card is open to AFL-CIO affiliated union members and provides a lengthy 15-month 0% intro APR period on both balance transfers and purchases. Once the intro period ends, the typical APR varies considerably, but those with excellent credit scores can expect a highly competitive APR.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR on purchases and balance transfers
- $0 Fraud Liability if the card is lost or stolen
- 24/7 U.S-based customer service
- Intro Purchase APR: 0% for the first 15 months
- Regular Purchase APR: 15.9% - 25.9% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months
- Balance Transfer APR: 15.9% - 25.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the transaction amount for the first 15 months; None after that
- Cash Advance APR: 28.99% 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 $38
- You're members of an AFL-CIO affiliated union
- You have a strong credit history so they can take advantage of the best rates
- You're planning to purchase a big-ticket item
- You do't want to pay an annual fee
Union Plus Primary Access Card
Union Plus Primary Access Card
- 28.24% variable based on the Prime Rate Regular Purchase APR
- 28.24% variable based on the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Union Plus Primary Access from Capital One Card is an unsecured credit builder credit card that rewards AFL-CIO union members for their responsible use of credit. Cardholders receive a credit limit increase after making their first five monthly payments on-time.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Access a higher credit line when you make your first 5 payments on time;
- Credit limits between $300 and $5,000
- $0 fraud liability
- Regular Purchase APR: 28.24% variable based on the Prime Rate
- Balance Transfer APR: 28.24% variable based on the Prime Rate
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each Cash Advance, whichever is greate
- Late Payment Penalty Fee: Up to $38
- You're hoping to boost your credit score
- You don’t want to carry a balance
- You're a member of an AFL-CIO affiliated union
- You do't want to pay an annual fee
Bass Pro Shops® CLUB Card
Bass Pro Shops® CLUB Card
- 9.99% for purchases at Bass Pro Shops and Cabela's. For other purchases, 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Bass Pro Shops® CLUB Card from Capital One allows outdoor enthusiasts to earn up to 5% back for savings on gear and equipment. With no annual fee and no cap on earnings, loyal Bass Pro Shop customers can easily accumulate savings for the purchases they already make.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2% back in CLUB Points on all Bass Pro Shops and Cabela's Purchases
- 1% back in CLUB Points on other purchases
- No annual fee
- Special APR for all Bass Pro Shops purchases
- Regular Purchase APR: 9.99% for purchases at Bass Pro Shops and Cabela's. For other purchases, 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount on transfers posted at a promotional APR. None for balances transferred at the standard APR
- Cash Advance APR: 31.99% 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 have excellent credit
- You want a card with no annual fee
- You're looking to purchase a big-ticket item such as a boat or an ATV
- You frequently participate in outdoor recreational activities such as fishing, hiking, camping, or hunting
Cabela's CLUB® Card
Cabela's CLUB® Card
- 9.99% for purchases at Bass Pro Shops and Cabela's, 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.99% variable based on the Prime Rate Cash Advance APR
At a Glance
An excellent card for the outdoor lovers, Cabela’s CLUB® Card members can enjoy the best of both worlds and earn up to 5% back on purchases from both Cabela’s and Bass Pro Shops – redeemable in-store or online at either retailer.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2% back in CLUB Points on all purchases at Cabela's and Bass Pro Shops
- Earn 1% back in CLUB Points on all other purchases where Mastercard is accepted
- No annual fee
- Earn points toward free gear and get access to member-only CLUB events
- Regular Purchase APR: 9.99% for purchases at Bass Pro Shops and Cabela's, 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.24%, 23.24% or 31.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount for transfers posted at a promotional APR. None for balances transferred at the standard APR
- Cash Advance APR: 31.99% 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 want a card with no annual fee
- You frequently participate in outdoor recreational activities
- You're looking to purchase a big-ticket recreational items
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
- 21.99% - 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.99% - 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Capital One Venture X Rewards Credit Card provides huge travel perks, impressive miles on every purchase, and more – for a $395 annual fee. New accounts also enjoy 75,000 miles after making $4,000 in purchases in the first three months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and our Partner Lounge Network
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
- Regular Purchase APR: 21.99% - 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.99% - 28.99% variable based on creditworthiness and 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: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Annual Fee: $395
- Late Payment Penalty Fee: Up to $40
- You travel often, and want a card that provides lounge access, elite status, and more
- You plan on issuing cards to multiple authorized users
- You plan on spending at least $4,000 on the card in the first three months
- You don’t want to pay foreign transaction fees
You've viewed 5 of 34 credit cards
Capital One Credit Cards
Capital One is a leading bank and credit card issuer, with over 62 million credit cards currently in circulation. Capital One is a unique issuer in that they offer credit card products to fit nearly every credit profile. This includes those with no credit history, poor credit, and students, all the way to those with the best credit scores possible.
Benefits of Capital One Cards
Capital One offers a variety of unique benefits for its credit cardholders. These include:
- No Foreign Transaction Fees: Like Discover, Capital One does not charge foreign transaction fees on any of their credit card products. This means that cardholders save up to 3% on purchases abroad versus cards that do charge a fee. If you frequently spend money outside of the United States (even online), a card with no foreign transaction fees is a great benefit.
- CreditWise: All Capital One Cards come with free access to CreditWise. CreditWise is the bank’s credit score monitoring and advice app.
- Eno: Cardholders also have access to Capital One’s virtual assistant, Eno. Eno monitors charges, tracks spending, and issues fraud alerts should there be unusual activity on the cardholder’s account.
Capital One cards also come with the usual perks and protections you expect from both Mastercard and Visa. These include:
- Travel accident insurance
- Auto rental collision damage waiver
- Zero fraud liability
- 24/7 customer assistance
What to Look for When Choosing a Capital One Card
Finding your perfect Capital One Card can be tricky. Picking the best card requires carefully looking at every aspect of the card and comparing them to other credit card offers. Here are a few things to pay attention to:
- Annual Fee: Does the card charge an annual fee? Rewards cards – especially travel rewards cards (like the Venture Rewards credit card) – sometimes come with annual fees. Before applying for a card that charges a yearly fee, make sure you’ll get enough value from the perks, credits, and benefits to justify that cost.
- APR: Always check the interest rates before applying. The better your credit score, the better the rate you can expect. Also, does the card provide a 0% intro APR period?
- Rewards: If you are considering a rewards card, what type of awards does it offer? Pay close attention to how you’ll earn reward points. Are there particular categories that earn additional points? How long are points good for?
One of the most important considerations when selecting a card from Capital One is what benefits suit you best.
Capital One Rewards Guide
Cards, like the Savor, SavorOne, Venture, or the no annual fee VentureOne, earn points in the Capital One Rewards Program. Here’s how to redeem Capital One Savor and Venture rewar
Capital One Rewards Point Valuation
Like other loyalty programs, Capital One Rewards point valuations vary considerably. Redeeming points for cash back or merchandise through the portal, for instance, offers a much lower estimate than using points with travel partners or booking flights through Capital One.
The current top value of Capital one Rewards points is approximately 1.4 cents/pt.(the rate for booking flights with select partners). The current average value for Capital One Rewards points is one cent per point.
How to Earn Capital One Rewards
Cardholders can earn Capital One Rewards points when making qualifying purchases with select Capital One credit cards. This includes extra points on qualifying categories. The bank also offers signup bonuses on some cards, such as the 50,000 point bonus with the Venture Rewards Card. Other options for earning points include referral bonuses, earning extra points through limited-time offers, or making purchases with select partners through the Capital On portal.
How to Redeem Capital One Rewards
One of the great features of the Capital One Rewards program is the flexibility it offers. Cardholders can use their points towards a variety of award options, including cash back, shopping (including using points with Amazon), and travel through the Capital One travel portal.
Capital One Transfer Partners
Capital One points transfer to the following airline and hotel partners:
AeroMexico (Club Premier) | British Airways (Executive Club) | EVA Air (Infinity Miles) |
Air Canada (Aeroplan) | Emirates (Skywards) | Qantas Miles |
Avianca (LifeMiles) | Etihad Guest | Singapore Airlines (KrisFlyer) |
Air France/KLM (Flying Blue) | Finnair Plus | TAP (Miles&Go) |
Cathay Pacific (Asia Miles) | ALL (Accor Live Limitless) | Choice Privileges |
Turkish Airlines (Miles&Smiles) |
FAQs About Capital One
Here are answers to common questions about Capital One:
Yes. Capital one Creditwise is the company’s free credit score monitor. The tool allows users to check their credit score and use their unique Creditwise Simulator to see how specific actions can improve – or drop – their credit score.
Yes. While Cap1 credit cards were originally for building credit, today, Capital one provides a range of exceptional and rewarding credit cards for people with good or excellent credit scores. The company still offers cards for rebuilding credit, however, especially their Capital one Platinum Mastercard and Secured Mastercard.
Should you need a new credit card, or If your account was closed do to fraudulent activity, call Capital One customer service at 1-866-464- 7761.. Capital One can usually get cardholders a new credit card in 7-10 days, though expedited shipping may also be available.
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.