| Category | Rate | Type | Cap |
|---|---|---|---|
|
Williams-Sonoma Inc. Brand Purchases
5% back at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham in-store, catalog, or online. GreenRow and Dormify excluded. Purchases outside the US and on promotional financing plans ineligible.
|
5x | Cash Back | No cap |
|
Grocery Stores
4% back at grocery stores. Excludes grocery purchases at gas stations, convenience stores, warehouse clubs, discount stores, and super stores, which earn 1%. Based on merchant category codes.
|
4x | Cash Back | No cap |
|
Dining
4% back at restaurants excluding fast food, but including food delivery services. Based on merchant category codes; third-party payment methods earn 1%.
|
4x | Cash Back | No cap |
|
All Other Purchases
1% back everywhere else Visa is accepted, including fast food, gas stations, warehouse clubs, and purchases via third-party payment accounts such as Apple Pay, PayPal, or Venmo.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$25 Birthday Rewards Certificate
A $25 birthday rewards certificate is issued during the cardholder's birthday month. Eligibility requires a valid email and U.S. mailing address on file, an open and current account, and at least one purchase in the 12 months prior to the birthday month. Must be redeemed within 30 days of issuance.
|
Credits |
$25/year
Up to $25
|
|
12-Month Promotional Financing (Equal Payments)
Zero interest with 12 equal monthly payments on qualifying purchases of $750 or more (excluding shipping and tax) at Williams-Sonoma, Inc. brands. Rewards are not earned on promotional financing purchases. If not paid in full after 12 months, standard variable APR of 29.24% applies to remaining balance. Not available via digital wallets or third-party payment platforms.
|
Financial | 0% interest for 12 months |
|
Autopay
Cardholders can schedule automatic payments through the Capital One Mobile app or online to avoid missed payments.
|
Financial | Complimentary |
|
Flexible Payment Due Date
Cardholders can select their own monthly payment due date, providing flexibility over when payments are made each billing cycle.
|
Financial | Complimentary |
|
No Annual Fee
The West Elm Key Rewards Visa carries no annual fee to open or maintain the credit card account.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fees
Capital One charges no foreign transaction fees on the West Elm Key Rewards Visa for purchases made outside the United States. Foreign currency is automatically converted at the Visa network rate with no additional conversion fee from Capital One.
|
Financial |
$0
Up to $0
|
|
Capital One Mobile App Account Management
Full account management 24/7 via the Capital One Mobile app, including balance checks, transaction history, virtual card access, rewards tracking, payment scheduling, and card lock. Web access is required.
|
Lifestyle | Complimentary |
|
Early Access to Sales and Events
Cardmembers receive early access to sales and events across the Williams-Sonoma, Inc. family of brands.
|
Lifestyle | Complimentary |
|
Troon Rewards Golf Savings
Cardmembers can join Troon Rewards and save on golf fees and merchandise at participating Troon golf properties.
|
Lifestyle | Complimentary access |
|
Visa Signature Concierge
24/7 concierge service available at 1-888-315-6932 to assist with travel bookings, event tickets, dining reservations, gift recommendations, specialty shopping, and more. Cardholders are responsible for the cost of any goods or services purchased on their behalf.
|
Lifestyle | Complimentary |
|
Visa Signature Luxury Hotel Collection
Access to premium benefits at a collection of over 900 of the world's finest hotel properties through the Visa Signature Luxury Hotel Collection. Certain restrictions, limitations, and exclusions apply.
|
Lifestyle | Complimentary access |
|
1% Back on All Other Purchases
Earn 1% back in rewards on net eligible purchases made everywhere else Visa is accepted, including fast food, gas stations, warehouse clubs, and purchases via third-party payment accounts such as Apple Pay, PayPal, or Venmo.
|
Rewards | 1% back |
|
4% Back on Groceries and Dining
Earn 4% back on net eligible purchases at grocery stores, restaurants (excluding fast food), and food delivery services. Excludes grocery purchases at gas stations, convenience stores, warehouse clubs, discount stores, and super stores. Based on merchant category codes.
|
Rewards | 4% back |
|
5% Back at Williams-Sonoma, Inc. Brands
Earn 5% back in rewards on net eligible purchases at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham in-store, catalog, or online. GreenRow, Dormify, purchases outside the US, and purchases on promotional financing plans are excluded.
|
Rewards | 5% back |
|
Rewards Redeemable Across Eight Brands
Reward certificates (issued in $10 increments for every $10 earned, after a 30-day vesting period) can be redeemed at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham online or in-store. Reward certificates expire 180 days from issuance.
|
Rewards | $10 certificates |
|
Welcome Bonus: 10% Back at WSI Brands (First 30 Days)
New cardmembers earn 10% back in rewards on net eligible purchases at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham during the first 30 days from account opening. GreenRow and Dormify are excluded.
|
Rewards | 10% back |
|
$0 Fraud Liability
Cardholders are not responsible for unauthorized charges made on the account. Capital One's zero fraud liability policy applies to all unauthorized transactions reported to Capital One.
|
Security | $0 liability |
|
Card Lock
Cardholders can instantly lock the West Elm Key Rewards Visa via the Capital One Mobile app if the card is misplaced, lost, or stolen. Some activity may continue including returns, credits, payments, interest, and dispute adjustments.
|
Security | Complimentary |
|
Real-Time Purchase Notifications and Security Alerts
Cardholders receive instant purchase notifications and security alerts through the Capital One Mobile app to monitor account activity and detect unauthorized charges quickly.
|
Security | Complimentary |
|
Virtual Card Numbers via Capital One Mobile App
Eligible cardholders can access a virtual card number through the Capital One Mobile app or website for secure online purchases. Identity verification may be required; some cardholders may not have access until approximately 30 days after account opening.
|
Security | Complimentary |
|
Free Standard Shipping at Williams-Sonoma, Inc. Brands
Any purchase of $0.01 or more made with the West Elm Key Rewards Visa in-store or online at a participating Williams-Sonoma, Inc. brand qualifies for free standard shipping within the contiguous 48 states. Not available when paying via digital wallets (Apple Pay, Google Wallet, Samsung Pay) or third-party payment solutions such as PayPal, or when rewards cover the entire order.
|
Shopping | Complimentary standard shipping |
|
Roadside Dispatch
Pay-per-use roadside assistance available 24/7 in the US and Canada with no membership or pre-enrollment required. Covers standard towing (up to 5 miles), tire changing, jump starting, lockout service, fuel delivery (up to 5 gallons plus fuel cost), and standard winching for a set fee per service call (currently $79.95). Call 1-800-847-2869.
|
Travel | Pay-per-use ($79.95/call) |
|
Travel and Emergency Assistance Services
24/7 assistance coordinating emergency medical referrals, legal referrals, emergency transportation, prescription assistance, lost luggage locator, emergency translation, and pre-trip information while traveling away from home. Available to cardholder, spouse, and dependent children under 22. Cardholder is responsible for all actual service costs; call 1-800-992-6029.
|
Travel | Complimentary |
