MoneyGeek’s Take

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.

Advertising & Editorial DisclosureLast Updated: 11/18/2022
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Last Updated: 11/18/2022

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 Feature
    Has or Not
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
Click to see this card’s rates, fees and how they compare to other cards in our dataset.

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
    • 27.99%APR

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.


  • Benefits
  • No annual fee
    Cardholders do not pay an annual fee.
  • Zero fraud liability
    You aren’t held liable for unauthorized purchases.
  • Earn rewards
    You 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.


  • Drawbacks
  • High APR
    This card has a high APR of 27.99%. To avoid paying additional costs, pay your bill in full before the deadline.
  • Late fees
    On top of the APR, you might pay up to $40 in late fees.
  • Transaction fees
    For 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.
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Every month, MoneyGeek examines credit cards to find the best options for you. Browse through the top-rated picks for rewards cards.

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.


Redeem rewards

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 Feature
  • 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.
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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 Feature
    Amount or Rate
  • APR
  • Annual Fee
  • Cash Back Rewards
  • Rewards Rate
    1 – 5% Cash Back
  • Airline Benefits
  • This is an icon

    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.

  • This is an icon

    Regular APR

    While the West Elm Key Rewards Credit Card APR is 27.99%, it can vary based on the market’s prime rate.

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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.

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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.

If you’re not sure this is the right card for you, you can review other rewards cards. Or, if you prefer a different way to maximize your card purchases, MoneyGeek also looked at cash back cards.

Learn more about credit cards in general

*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.
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