| Category | Rate | Type | Cap |
|---|---|---|---|
|
Williams Sonoma Brand Purchases
Earn 5% back in Key Rewards on net eligible purchases at participating Williams Sonoma, Inc. brands including Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Williams Sonoma, Rejuvenation, and Mark and Graham; Key Rewards Gold status required, which is automatically granted to all Key Rewards Visa cardholders.
|
5x | Cash Back | No cap |
|
Restaurants, Food Delivery, and Grocery Stores
Earn 4% back in Key Rewards on net eligible purchases at grocery stores, food delivery services, and restaurants; grocery purchases at gas stations, convenience stores, warehouse clubs, discount stores, and super stores (or grocery stores associated with discount or super stores) earn only 1%.
|
4x | Cash Back | No cap |
|
All Other Purchases
Earn 1% back in Key Rewards on all other eligible purchases everywhere Visa is accepted; no annual earning cap applies.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$25 Annual Birthday Rewards Certificate
A $25 Birthday Rewards certificate is issued to the primary cardmember during their birthday month; it is available through Williams Sonoma brand account and can be applied to eligible purchases at participating brands.
|
Credits |
$25/year
Up to $25
|
|
Equal Payment Promotional Financing
Qualifying purchases of $750 or more (excluding shipping and tax) made with the Key Rewards Visa at participating Williams Sonoma brands are eligible for 12-month equal payment promotional financing at 0% interest; the purchase amount is divided into 12 equal monthly payments. If not paid in full after 12 months, the standard variable purchase APR of 29.24% applies to the remaining balance. Rewards are not earned on promotional financing purchases.
|
Financial | 12 months equal payment financing on purchases $750+ |
|
No Annual Fee
There is no annual fee to carry the Key Rewards Visa Credit Card; Key Rewards loyalty program enrollment is free.
|
Financial |
$0 annual fee
Up to $0
|
|
Capital One Entertainment Access
Cardholders may access exclusive tickets and experiences through Capital One Entertainment, including curated events in music, sports, and dining available to Capital One cardmembers.
|
Lifestyle | Complimentary |
|
Capital One Mobile App Account Management
Full account management through the Capital One mobile app, including viewing transactions, checking rewards balances, making payments, setting up alerts, and accessing Eno virtual card features.
|
Other | Complimentary |
|
Pre-Approval Without Hard Inquiry
Prospective cardholders can check for pre-approval without impacting their credit scores; a hard inquiry is only triggered if the applicant proceeds to a full application.
|
Other | Complimentary |
|
Store-Only Card Fallback
Applicants who apply for the Visa version of the Key Rewards card but do not meet the credit criteria will automatically be considered for the store-only Key Rewards Credit Card, which is accepted exclusively at Williams Sonoma, Inc. brands.
|
Other | Complimentary |
|
1% Back on All Other Purchases
Earn 1% back in Key Rewards on all other eligible purchases everywhere Visa is accepted; no annual earning cap applies.
|
Rewards | 1% back |
|
4% Back at Restaurants, Food Delivery, and Grocery Stores
Earn 4% back in Key Rewards on net eligible purchases at grocery stores, food delivery services, and restaurants; purchases at gas stations, convenience stores, warehouse clubs, discount stores, and super stores earn only 1%.
|
Rewards | 4% back |
|
5% Back at Williams Sonoma Brand Stores
Earn 5% back in Key Rewards on net eligible purchases at participating Williams Sonoma, Inc. brands including Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Williams Sonoma, Rejuvenation, and Mark and Graham in-store and online.
|
Rewards | 5% back |
|
Key Rewards Gold Status
All Key Rewards Visa cardholders are automatically upgraded to Key Rewards Gold status, unlocking the 5% earn rate at Williams Sonoma brands and other Gold-tier member perks beyond what Silver membership provides.
|
Rewards | Complimentary (automatic Gold status) |
|
$0 Fraud Liability Protection
Cardholders are not responsible for unauthorized purchases made with the card when reported promptly; Capital One provides $0 fraud liability on all unauthorized transactions.
|
Security | Complimentary |
|
Account Alerts and Security Notifications
Cardholders can set up automatic alerts via text or email for unusual activity, large purchases, payment due dates, and other account events through the Capital One mobile app or online portal.
|
Security | Complimentary |
|
Capital One Eno® Virtual Card Numbers
Cardholders can use Capital One's Eno browser extension to generate virtual card numbers for online shopping, protecting the physical card number from exposure to merchants.
|
Security | Complimentary |
|
Card Lock
Cardholders can instantly lock and unlock their card through the Capital One mobile app if the card is misplaced, preventing new transactions while the card is locked.
|
Security | Complimentary |
|
Free Standard Shipping at Williams Sonoma Brands
Cardholders receive free standard shipping within the contiguous 48 states on any purchase of $0.01 or more made in-store or online at participating Williams Sonoma, Inc. brands when paying directly with the Key Rewards Visa as the initial payment method; not available on rewards-only purchases.
|
Shopping | Free standard shipping |
