Williams Sonoma Key Rewards® Visa

This card is worth a look if you shop at Williams Sonoma often enough to make the 5% back meaningful and you can also use the 4% back on dining and gas. For the right household, especially one already buying cookware, furniture, gifts, or seasonal items from the Williams Sonoma family of brands, the card gives you a simple way to earn elevated cash rewards without paying an annual fee. The birthday reward adds a little extra value if you are already making at least one purchase each year and can use the certificate before it expires.

For most readers, though, this is still a store-leaning card. The 1% back everywhere else is only average, and there is no welcome bonus to boost first-year value. If Williams Sonoma is just an occasional shopping stop, a broader cash-back card will usually be the stronger everyday choice.