West Elm Key Rewards Visa 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 Visa 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 Visa, you can earn 5% cash back at eligible brands, 4% at grocery stores and restaurants and 1% on other purchases. West Elm Key Rewards Visa cardholders also get a $25 birthday reward. Because this card has a high APR of 25.24%, 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 Visa at a Glance
The West Elm Key Rewards Visa 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 Visa
A good no-annual-fee card for earning cash back across all Williams-Sonoma, Inc. brands
- ExcellentCredit Needed
- $0Annual Fee
- 1 – 5% Cash BackRewards Rate
Pros & Cons Explained
Weigh the pros and cons of the West Elm Key Rewards Visa 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 Visa lets you earn 4% cash back at restaurants and grocery stores and 1% on other purchases.
- High APRThis card has a high APR of 25.24%. 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 Visa 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 Visa 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 Visa 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 Visa APR is 25.24%, 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 Visa?
Other Considerations for West Elm Key Rewards Visa
Consider several factors before selecting a West Elm Key Rewards Visa 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 Visa 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 Visa 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 Visa Compares to Other Cards
Even if the West Elm Key Rewards Visa 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 Visa compares with the Credit One Bank Platinum Visa below.
Quick Comparison of West Elm Key Rewards Visa
West Elm Key Rewards Visa
- Annual fee: $0
- APR: 25.24%
- 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: 24.24%
- 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 Visa to help with your decision-making.
Still not sure about this card? Consider these options.
Capital One Quicksilver Rewards
American Express Marriott Bonvoy Business Card
Capital One Quicksilver Student Rewards
American Express Delta SkyMiles Gold Card
Bank of America Premium Rewards Card
Chase Ink Business Preferred
PenFed Power Cash Rewards Visa Signature Card
Mastercard Titanium Card
Disney Premier Visa Card
Chase Ink Business Unlimited
Chase Sapphire Reserve
Chase Marriott Bonvoy Bold
American Express Delta SkyMiles Platinum Business Card
Chase British Airways Visa Signature
U.S. Bank Altitude Connect Visa Signature Card
American Express Delta SkyMiles Platinum Card
Credit One Bank Platinum Rewards Visa
Chase Southwest Rapid Rewards Performance Business
American Express Delta SkyMiles Reserve Business Card
Chase Southwest Rapid Rewards Plus
Navy Federal Visa cashRewards Card
American Express Delta SkyMiles Reserve Card
Capital One Spark Cash Plus
Chase Southwest Rapid Rewards Premier
Capital One Spark Miles
Upgrade Bitcoin Rewards Visa
Capital One Spark Cash Select
Credit One Bank Platinum Visa
Capital One Spark Cash Select - Good Credit
Chase Southwest Rapid Rewards Premier Business
Disney Visa Card
Mastercard Black Card
Wells Fargo Business Secured Credit Card
American Express Hilton Honors Surpass Card
Credit One Bank Platinum Visa for Rebuilding Credit
American Express Hilton Honors Business Card
Capital One Platinum Secured Card
Chase United Business
American Express Hilton Honors Card
Amazon Prime Rewards Visa Signature Card
Capital One QuicksilverOne Rewards
Chase United Club Infinite
Indigo Platinum Mastercard
USAA Rate Advantage Visa Platinum Card
American Express Plum Card
Chase United Explorer
American Express The Platinum Card
NASCAR® American Express® Card from Credit One Bank
Bank of America BankAmericard
Indigo Unsecured Mastercard
U.S. Bank Triple Cash Rewards Visa Business Card
Citi AAdvantage Executive World Elite Mastercard
Chase World of Hyatt
Bank of America BankAmericard for Students
World of Hyatt Business Credit Card
Bank of America Travel Rewards for Students
Bank of America Business Advantage Travel Rewards
Chase Slate Edge
Chime Credit Builder Secured Visa Credit Card
Bank of America Cash Rewards for Students
Citi American Airlines AAdvantage MileUp Mastercard
Navy Federal More Rewards American Express
Mastercard Gold Card
Citi CitiBusiness AAdvantage Platinum Select Mastercard
American Express Marriott Bonvoy Brilliant Card
Discover it Student Cash Back Credit Card
Capital One Journey Student Rewards
Citi Double Cash Card
Navy Federal Credit Union Visa Signature Flagship Rewards
Capital One Platinum Credit Card
Citi Costco Anywhere Visa Business Card
Discover it Chrome Credit Card
Merrick Bank Double Your Line Secured Visa
Capital One SavorOne Rewards
Merrick Bank Secured Visa
PenFed Platinum Rewards Visa Signature
Deserve EDU Mastercard for Students
Southwest Rapid Rewards Priority Credit Card
Assent Platinum 0% Intro Rate Mastercard Secured Credit Card
Capital One SavorOne Rewards for Students
Chase Freedom Student
Citi Premier Card
Capital One Venture
Capital One VentureOne Rewards
Citi Rewards+ Card
Citi Secured Mastercard
American Express Blue Business Plus Credit Card
Chase Marriott Bonvoy Boundless
Chase IHG Rewards Club Traveler
Discover it Miles
United Quest Card
PenFed Pathfinder Rewards Visa Signature
Capital One Venture X
American Express Blue Cash Everyday Card
American Express Blue Cash Preferred Card
Capital One Walmart Rewards Mastercard
American Express Business Gold Card
American Express Blue Business® Cash Card
Destiny Unsecured Mastercard
American Express Business Platinum Card
American Express Gold Card
Capital One Spark Miles Select
U.S. Bank Altitude Go Visa Signature
American Express Cash Magnet Card
Chase Sapphire Preferred
Chase United Gateway
U.S. Bank Visa Platinum
Citi AAdvantage Platinum Select World Elite Mastercard
Wells Fargo Business Platinum Credit Card
Chase Iberia Visa Signature
American Express Delta SkyMiles Blue Card
Chase IHG Rewards Club Premier
Chase Aer Lingus Visa Signature
Simmons Rewards Visa Signature
American Express Delta SkyMiles Gold Business Card
Wells Fargo Active Cash Card
First Access VISA Solid Black Credit Card
USAA Rewards American Express Card
Milestone Unsecured Mastercard
USAA Preferred Cash Rewards Visa Signature Card
Learn more about credit cards in general
- Capital One. "West Elm Key Rewards Visa." 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.