What is the average credit score needed to get approved for West Elm Key Rewards Credit Card?

To qualify for this card, you need an excellent credit score.

Is the West Elm Key Rewards Credit Card application process lengthy? Can you prequalify?

Applying for the West Elm Key Rewards Credit Card online takes 10 to 15 minutes. Depending on your application, approval time can be as quick as 60 seconds.

What information is needed to apply for West Elm Key Rewards Credit Card?

You’ll need to provide personal information, like your name, date of birth, Social Security number (SSN), contact information and financial information, including your employment status and annual income.

Does West Elm Key Rewards Credit Card have good customer service or satisfaction?

According to <a href="https://www.jdpower.com/business/press-releases/2020-us-credit-card-satisfaction-study" target="_blank">J.D. Power’s 2020 Credit Card Satisfaction survey</a>, Capital One received good ratings for customer satisfaction.

Does West Elm Key Rewards Credit Card have a mobile app or the option to pay or manage your account online?

Yes, you can manage your account online or through the mobile app.

Does West Elm Key Rewards Credit Card raise credit limits automatically or charge for limit increases?

The West Elm Key Rewards Credit Card doesn’t offer automatic credit limit increases, but you can contact Capital One directly to find out if you qualify.

Does West Elm Key Rewards Credit Card offer the option to freeze your credit/account or have other security features?

You’re protected against unauthorized charges to your card. Additionally, the Capital One mobile app allows you to block your card at any time. You can also get security alerts.

Does Capital One offer other credit cards besides West Elm Key Rewards Credit Card?

Yes. Some of the cards Capital One offers are Secured Mastercard, Platinum Mastercard, Venture Rewards Card, Journey Student Rewards from Capital One and QuicksilverOne Rewards Card.

West Elm Key Rewards Credit Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

West Elm Key Rewards Credit Card
A good no-annual-fee card for earning cash back across all Williams-Sonoma, Inc. brands
- 1 – 5% Cash BackRewards Rate
- 29.99% VariableAPR
- $0Annual Fee
- ExcellentRecommended Credit
We recommend the West Elm Key Rewards Credit Card from Capital One to Key Rewards members who wish to earn rewards faster without needing to pay any annual fees. All purchases you make across any of Williams-Sonoma, Inc’s seven brands earn 5% back. You get 4% back at grocery stores and restaurants (excluding fast food), and 1% back on all other purchases. In addition, you earn 10% back for purchases made through Williams-Sonoma brands during the first 30 days.
When you make purchases of $750 or more, you might qualify for 12-month promotional financing. All cardholders receive $25 in birthday rewards every year. Shopping at Williams Sonoma comes with free standard shipping.
Using this card outside of the U.S. is ideal, given that it does away with foreign transaction fees.
Pros
No annual fees
Up to 5% cash back
Extra cash back during the first 30 days
Annual birthday reward
No foreign transaction fees

Cons
Need excellent credit to qualify
High standard APR
No annual or foreign transaction fees
Earn 5% cash back across all Williams-Sonoma, Inc. brands (in-store, online and through catalogs)
Earn 4% cash back at grocery stores and restaurants (fast food excluded)
Earn 1% cash back on all other purchases
Earn 10% cash back across all Williams-Sonoma, Inc. brands during the first 30 days
Williams-Sonoma, Inc. brands include Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, and Mark & Graham
12-month promotional financing on purchases of $750 or more
$25 birthday reward each year
Reward certificates issued in increments of $20
Free standard shipping on eligible Williams Sonoma purchases (in-store and online)
$0 fraud liability
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

WHY TRUST OUR REVIEWS

When picking the top credit cards, MoneyGeek follows a thorough review process. Aside from gathering key details from the Consumer Finance Protection Bureau’s database, we also standardize data points, determine a card’s long-term value, conduct regular re-ranking and more.

With the West Elm Key Rewards Credit Card, you can earn 5% cash back at eligible brands, 4% at grocery stores and restaurants and 1% on other purchases. West Elm Key Rewards Credit Cardholders also get a $25 birthday reward. Because this card has a high variable APR of 29.99%, and you need excellent credit to qualify, it might work best as a supplement to your primary credit card.

West Elm Key Rewards Credit Card Overview

The West Elm Key Rewards Credit Card allows cardholders to earn 5% back at some of their favorite retailers. You can also get exclusive discounts and rewards.

Quick Take

No annual or foreign transaction fees
Earn 5% cash back across all Williams-Sonoma, Inc. brands (in-store, online and through catalogs)
Earn 4% cash back at grocery stores and restaurants (fast food excluded)
Earn 1% cash back on all other purchases
Earn 10% cash back across all Williams-Sonoma, Inc. brands during the first 30 days
Williams-Sonoma, Inc. brands include Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, and Mark & Graham
12-month promotional financing on purchases of $750 or more
$25 birthday reward each year
Reward certificates issued in increments of $20
Free standard shipping on eligible Williams Sonoma purchases (in-store and online)
$0 fraud liability

Important Card Details

When shopping around for credit cards, assess the fees, perks and features. This will help you decide which ones suit your financial goals.

Transaction fees
Balance transfers and cash advances incur a fee of 3% and 4% of the amount, respectively. The minimum fee for a cash advance is $10.
Late payment fee
Overdue payments can cost up to $40.
Regular APR
While the West Elm Key Rewards Credit Card APR is 29.99%, it can vary based on the market’s prime rate.

Additional Benefits

A West Elm Key Rewards Credit Card entitles you to the following features:

Zero fraud liability: You are protected against any unauthorized charges made to your card.
Promotional financing: Get special promotional financing for qualifying purchases of $750 or more, a perk you can opt for instead of earning 5% back at eligible retailers.
Free shipping: Enjoy free shipping for Williams Sonoma purchases.

How the West Elm Key Rewards Credit Card Compares To Other Cards

Even if the West Elm Key Rewards Credit Card has a high APR, it offers generous rewards and benefits, no annual fee and more. But when you’re shopping around for rewards credit cards, compare them to find one that best suits your financial needs. For example, you can see how the West Elm Key Rewards Credit Card compares with the Credit One Bank® Platinum Visa® below.

How the West Elm Key Rewards Credit Card Compares

West Elm Key Rewards Credit Card

Annual fee: $0
APR: 29.99% variable
Foreign transaction fee: $0
Rewards rate: 5% at eligible retailers, 4% back at grocery stores and restaurants, 1% back on other purchases
Best for: Individuals who frequent Williams Sonoma brands and enjoy added perks and features

Credit One Bank® Platinum Visa®

Annual fee: $39
APR: 28.99% variable
Foreign transaction fee: 3%
Rewards rate: 1% cash back, 1X points on gas and groceries
Best for: Individuals looking to build their credit score and get rewards

Frequently Asked Questions

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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MoneyGeek’s Take

West Elm Key Rewards Credit Card Review

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