The Key Rewards® Visa is built for regular Williams-Sonoma, Pottery Barn, West Elm, and related brand shoppers who want a simple store-linked card rather than a broad everyday rewards card. It works best as a niche card for loyal customers, not as your main card for general spending.
All information about Key Rewards® Visa has been collected independently by MaxRewards. Key Rewards® Visa is no longer available through MaxRewards.
Williams-Sonoma family shopping
Annual birthday certificate use
No-annual-fee store card value
This card is worth considering if you already spend consistently across the Williams-Sonoma family of brands and know you will actually use the annual $25 birthday reward. With no annual fee, the bar is low, and that birthday certificate can add real value for households that make at least one eligible purchase each year and shop often enough to redeem it before it expires.
For most readers, though, the ongoing rewards structure is the weak point. Earning 1% back everywhere is easy to understand, but it is easy to beat with many no-annual-fee cash-back cards that offer higher flat-rate rewards or bonus categories. If you want one card for everyday purchases, this is not a strong fit. It makes more sense as a secondary card for committed shoppers of these brands.
A reasonable no-fee pick for frequent Williams-Sonoma family shoppers who will use the birthday reward every year. Outside that niche, the 1% earning rate gives most people little reason to keep it in regular rotation.
Rewards here are very simple: this card earns cash back, with 1% back on purchases. That makes it easy to track, but the real question is whether its store-linked value matters more to you than the higher everyday return available from other no-fee cards.
Everywhere
Est. Annual Rewards
The main benefit to focus on is the annual birthday reward, since that is the feature most likely to add value beyond the basic cash-back rate. As with many retail cards, the details matter, especially how often you shop and whether you are likely to redeem the certificate before it expires.
Enrollment is required for select benefits
Our app automatically tracks valuable credits so you don't miss any rewards.
$25 birthday rewardExcellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Annual Fee
$0
Purchase APR
29.24%
Variable
Transfer APR
29.24%
Variable
Cash Advance APR
29.24%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn $2,000 Cash Back
Once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $1,500
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn $1,000 Cash Back
Once you spend $10,000 in the first 3 months from account opening
Annual Fee
$0 intro for first year; $95 after that
Rec. Credit
Excellent
