Key Rewards Visa
By Alex Compton · Last verified
5% across Williams Sonoma, Pottery Barn and West Elm, now issued by Capital One.
Welcome Bonus
None
10% back in rewards at the Williams-Sonoma family of brands for your first 30 days, 5% thereafter
Spend Requirement
None
in 1 month
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Terms reconfirmed10% back in rewards at the Williams-Sonoma family of brands for your first 30 days, 5% thereafter | Capital One Key Rewards Visa product page → |
| 2026-06 | 0 | No recorded spend | Terms reconfirmed10% back first 30 days at brand stores | Archive record · no attached snapshot |
| 2024-09 | 0 | No recorded spend | Earliest record10% first 30 days under the new Capital One program | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
10% first 30 days then 5% at brands, 4% grocery/dining/delivery, 1% else, $25 birthday reward, $0 fee confirmed
Capital One Key Rewards Visa product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xWilliams Sonoma, Pottery Barn, West Elm and family10% your first 30 days; or choose 12-month financing on $750+
- 4xGrocery stores, dining and food delivery
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦One card covers Williams Sonoma, Pottery Barn, Pottery Barn Kids and Teen, West Elm, Rejuvenation and Mark & Graham
- ✦$25 birthday reward every year
- ✦Free standard shipping at Williams Sonoma and 12-month promotional financing on big purchases
Why it earns its spot
- +4% on groceries and dining is startlingly good for a retail cobrand
- +5% across an entire family of home brands
- +Capital One issuing means no foreign transaction fees
Where it costs you
- −Rewards redeem only at Williams-Sonoma family brands
- −Choosing financing forfeits the 5% earn
- −The 10% intro window invites overspending on furniture
The Compound Verdict
Capital One took over this program and kept the most surprising number on the card: 4% on groceries and dining, paid in Pottery Barn money. If your household already orbits these brands the effective earn is excellent, and the birthday reward is free gravy. Just remember every point you earn is store credit.
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