The Key Rewards® Visa (Williams Sonoma, Pottery Barn, West Elm)
A no-annual-fee cash back card from Capital One.
Rates, fees, and full terms are set by Capital One and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Key Rewards Visa covers the whole Williams-Sonoma family: Williams Sonoma, Pottery Barn, Pottery Barn Kids and Teen, West Elm, Rejuvenation, and Mark & Graham. It earns 5% back at those brands (10% for your first 30 days), 4% at grocery stores, restaurants, and food delivery, and 1% everywhere else, with no annual fee.
Four percent on groceries and dining is excellent, and it all flows into rewards you can spend across eight home brands. It is the same card whether it says Williams Sonoma, Pottery Barn, or West Elm on the front.
Think twice if: you seldom buy from Williams-Sonoma's brands, since Key Rewards only redeem there.
Our 4.8 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 5% back at Williams-Sonoma's brands, 4% at grocery stores, restaurants, and food delivery services, and 1% everywhere else. Grocery purchases at warehouse clubs, superstores, and discount stores earn 1%. On purchases of $750 or more at the brands you can choose 12 months of equal payments at 0% instead of rewards. Cardholders also get a $25 birthday reward each year.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 4x | Bonus category |
| Groceries | 4x | Bonus category |
| Gas | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: Rewards are Key Rewards points that redeem across the Williams-Sonoma family of brands, not cash. The same card is issued as the Williams Sonoma, Pottery Barn, or West Elm Key Rewards Visa with identical rewards. Grocery purchases at warehouse clubs, superstores, and discount stores earn 1%.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your dining and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is among the stronger ones you will find in that category.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 5% at eight Williams-Sonoma brands, 10% for the first 30 days
- 4% at grocery stores, restaurants, and food delivery
- $25 birthday reward
- No annual fee
- Rewards only redeem at Williams-Sonoma brands
- Warehouse and superstore groceries earn 1%
- Only 1% on everything else
The welcome bonus
New cardholders earn 10% back at Williams-Sonoma brands for their first 30 days, then 5%. Front-load a big furniture or kitchen purchase into that window.
First-year value vs ongoing value
| Welcome bonus | 10% back at Williams-Sonoma brands for your first 30 days |
| To earn it | first 30 days after opening |
| Est. first-year value* | $562 |
| Est. ongoing value / yr* | $562 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $562 a year on typical spending after the fee. What you see is what you get from day one.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- $25 birthday reward each year
- Free standard shipping at Williams Sonoma
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
Get the Key Rewards Visa if Pottery Barn, West Elm, or Williams Sonoma is where you shop for your home. Four percent on groceries and dining keeps rewards building between purchases.
Skip it if you rarely buy from those brands; the rewards cannot be cashed out.
Alternatives to the The Key Rewards® Visa (Williams Sonoma, Pottery Barn, West Elm)
Pairs well with
The The Key Rewards® Visa (Williams Sonoma, Pottery Barn, West Elm) earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
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How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the The Key Rewards® Visa (Williams Sonoma, Pottery Barn, West Elm) lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
