West Elm Key Rewards Credit Card Review
Individuals who enjoy shopping at West Elm and other Williams Sonoma brands, such as Pottery Barn and Mark and Graham, might be attracted to the benefits of the West Elm Key Rewards Credit Card. The card has no annual fee and allows you to earn rewards for shopping, grocery purchases, restaurant meals and other qualified purchases.
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 APR of 27.99%, and you need excellent credit to qualify, it might work best as a supplement to your primary credit card.
Card Details to Know Up Front
- Bonus, Fee or FeatureHas or Not
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
West Elm Key Rewards Credit Card at a Glance
The West Elm Key Rewards Credit Card lets you earn generous rewards with eligible purchases and gives you a $25 birthday reward. You also qualify for free standard shipping on eligible purchases at Williams Sonoma.
- West Elm Key Rewards Credit Card
A good no-annual-fee card for earning cash back across all Williams-Sonoma, Inc. brands
- ExcellentRecommended Credit
- $0Annual Fee
- 1 – 5% Cash BackRewards Rate
Pros & Cons Explained
Weigh the pros and cons of the West Elm Key Rewards Credit Card to determine whether it’s the right credit card for you.
- No annual feeCardholders do not pay an annual fee.
- Zero fraud liabilityYou aren’t held liable for unauthorized purchases.
- Earn rewardsYou can earn 5% cash back on purchases from the following retailers: West Elm, Pottery Barn, Pottery Barn Kids, Pottery Barn Teens, Mark & Graham, Williams Sonoma and Williams Sonoma Home. West Elm Key Rewards Credit Card lets you earn 4% cash back at restaurants and grocery stores and 1% on other purchases.
- High APRThis card has a high APR of 27.99%. To avoid paying additional costs, pay your bill in full before the deadline.
- Late feesOn top of the APR, you might pay up to $40 in late fees.
- Transaction feesFor balance transfers, you pay a fee equal to 3% of the amount of each transfer. Meanwhile, cash advances incur a $10 fee, or 4% of the cash advance amount, whichever is greater.
Bonuses & Rewards Explained
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.
Use your card
Use your West Elm Key Rewards Credit Card at eligible retailers, grocery stores and restaurants to get the most rewards.
Receive updates via email
For every $20 earned in rewards, you receive a certificate within 30 days via email.
Once you have your certificate, you can use your rewards at William Sonoma brands both in-store or online.
Other Features Explained
A West Elm Key Rewards Credit Card entitles you to the following features:
- Card FeatureDescription
- Zero fraud liabilityYou are protected against any unauthorized charges made to your card.
- Promotional financingGet 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 shippingEnjoy free shipping for Williams Sonoma purchases.
Within the first 30 days of opening your account, you can get up to 10% cash back when you purchase items from the seven Williams Sonoma brands.
Understanding the Fine Print
When shopping around for credit cards, assess the fees, perks and features. This will help you decide which ones suit your financial goals.
- Card FeatureAmount or Rate
- Annual Fee$0
- Cash Back Rewards
- Rewards Rate1 – 5% Cash Back
- Airline Benefits
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.
While the West Elm Key Rewards Credit Card APR is 27.99%, it can vary based on the market’s prime rate.
MoneyGeek’s review can help you compare the credit cards you already have to others in terms of benefits, fees and rates. Your credit card billing statements are another excellent source of information. You may also want to access the Consumer Financial Protection Bureau (CFPB) credit card agreement database.
Who Should & Shouldn’t Consider West Elm Key Rewards Credit Card?
Other Considerations for West Elm Key Rewards Credit Card
Consider several factors before selecting a West Elm Key Rewards Credit Card, whether it’s to be your only credit card or an additional card in your wallet.
Things to Consider if This Will Be Your First or Only Credit Card
While the West Elm Key Rewards Credit Card has a high APR, it can be a good option if you pay your balances promptly. Chances are this won’t be your first credit card, though, since you need excellent credit to qualify.
Things to Consider if This Will Be an Additional Card in Your Wallet
The West Elm Key Rewards Credit Card doesn’t charge foreign transaction fees, so it’s a suitable choice if you travel outside of the U.S. You also need not worry about annual fees. However, this card charges for certain transactions, so using another card might save you money if you transfer balances often, for example.
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.
How 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.
Quick Comparison of West Elm Key Rewards Credit Card
West Elm Key Rewards Credit Card
- Annual fee: $0
- APR: 27.99%
- 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: 26.99%
- 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
Other Helpful Decision-Making Q&As
MoneyGeek answered frequently asked questions about the West Elm Key Rewards Credit Card to help with your decision-making.
Still not sure about this card? Consider these options.
Citi Custom Cash℠ Card
Capital One Spark Cash Select - $500 Cash Bonus
The Business Platinum Card® from American Express
U.S. Bank Altitude® Go Visa Signature® Card
Capital One Spark Cash Select - $500 Cash Bonus - Good Credit
Delta SkyMiles® Blue American Express Card
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Amazon Business Card
Delta SkyMiles® Gold Business American Express Card
U.S. Bank Altitude® Connect Visa Signature® Card
Bank of America® Premium Rewards® credit card
Capital One SavorOne Student Cash Rewards Credit Card
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Citi® Diamond Preferred® Card
Discover it® chrome Credit Card
Capital One Quicksilver Student Cash Rewards Credit Card
American Express® Gold Card
Citi® Double Cash Card
IHG® Rewards Premier Credit Card
Capital One Spark Miles for Business Select
The Blue Business® Plus Credit Card from American Express
The Hilton Honors American Express Business Card
American Express Cash Magnet® Card
West Elm Key Rewards Credit Card
Citi® Secured Mastercard®
Credit One Bank® Platinum Visa®
Navy Federal More Rewards American Express card
Delta SkyMiles® Reserve Business American Express Card
Mastercard® Black Card™
OpenSky® Secured Visa® Credit Card
Citi Simplicity® Card
Aer Lingus Visa Signature®
Ink Business Preferred® Credit Card
Iberia Visa Signature® Card
Simmons Rewards Visa Signature®
Discover it® Secured Credit Card
Hilton Honors American Express Surpass® Card
Credit One Bank® Platinum Visa® for Rebuilding Credit
Discover it® Student Cash Back Credit Card
Chime Credit Builder Secured Visa® Credit Card
Discover it® Student chrome
Capital One Spark Miles for Business
Wells Fargo Active Cash® Card
Chase Freedom Unlimited®
NHL® Discover it®
Platinum Rewards Visa Signature® Card
First Access Solid Black Visa® Credit Card
Capital One Spark Cash Plus
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Capital One® Spark® Classic for Business
BankAmericard® credit card
Bank of America® Travel Rewards credit card
U.S. Bank Triple Cash Rewards Visa® Business Card
OakStone Gold Secured Mastercard®
Chase Sapphire Preferred Card
Southwest Rapid Rewards® Plus Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Alliant Visa® Platinum Rewards Credit Card
Milestone® Unsecured Mastercard®
Merrick Bank Secured Credit Card
Ink Business Cash® Credit Card
Capital One VentureOne Rewards Credit Card
PenFed Pathfinder® Rewards Visa Signature® Card
Power Cash Rewards Visa Signature® Card
American Airlines AAdvantage MileUp℠ Card
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Bank of America® Customized Cash Rewards Secured Card
Wells Fargo Business Platinum Credit Card
Capital One Platinum Credit Card
Capital One Venture Rewards Credit Card
Merrick Bank Double Your Line® Secured Credit Card
Bank of America® Platinum Plus® Mastercard® Business card
Milestone® Gold Mastercard®
Deserve® EDU Mastercard for Students
Bank of America® Travel Rewards Credit Card for Students
Disney® Visa® Card from Chase
Upgrade Bitcoin Rewards
U.S. Bank Visa® Platinum Card
BankAmericard® Secured Credit Card
Navy Federal Visa cashRewards Card
Costco Anywhere Visa® Business Card by Citi
Costco Anywhere Visa® Card by Citi
USAA® Rewards™ American Express® Card
Mastercard® Gold Card™
Southwest Rapid Rewards® Premier Credit Card Business
Chase Slate Edge℠
Capital One SavorOne Cash Rewards Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card
NASCAR® American Express® Card from Credit One Bank
Capital One Walmart Rewards® Mastercard®
World of Hyatt Credit Card
Capital One Venture X Rewards Credit Card
Southwest Rapid Rewards® Priority Credit Card
Marriott Bonvoy Brilliant™ American Express® Card
BankAmericard for Students
Wells Fargo Reflect® Card
IHG® Rewards Traveler Credit Card
Capital One Platinum Secured Credit Card
United℠ Business Card
United Club℠ Infinite Card
United Explorer Card
Ink Business Unlimited® Credit Card
Chase Freedom Flex℠
United Gateway Card
World of Hyatt Business Credit Card
Wells Fargo Business Secured Credit Card
Credit One Bank® Platinum X5 Visa®
United Quest℠ Card
Navy Federal Credit Union Visa Signature Flagship Rewards card
Learn more about credit cards in general
- Capital One. "West Elm Key Rewards Credit Card." Accessed May 1, 2022.
- Capital One. "Credit One Platinum Visa." Accessed May 1, 2022.
- Consumer Finance Protection Bureau. "Credit Card Agreement Database." Accessed April 13, 2022.
- J.D. Power. "Customers Losing Faith in Credit Card Issuers as COVID-19 Pandemic Lingers, J.D. Power Finds." Accessed April 13, 2022.
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.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.