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.
MoneyGeek’s Take
West Elm Key Rewards Credit Card Review
Updated: October 23, 2024
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West Elm Key Rewards Credit Card
On Issuer's Site
Rewards Summary
Earn 1% – 5% cash backEarn 5 percent back online and in stores on purchases made at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm and Mark & Graham; 4 percent back at grocery stores and restaurants (excluding fast food); 1 percent back on everything else
APR
30.24% variableAnnual Fee
$0Recommended Credit
740-850 (Excellent)Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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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 30.24% variable, 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: 30.24% 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: 29.74% 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
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.
Does West Elm Key Rewards Credit Card report to all three credit bureaus?
Yes.
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 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.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
*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.
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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.
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.