Our illustration in the card’s colours, not its design
Capital One credit card
Williams Sonoma Key Rewards Visa
- APR up · 29.24% to 29.49% · Nov 1, 2026
No annual fee. Purchase APR 29.49%, variable. No foreign transaction fees.
Checked Nov 8, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 8, 2026
Issuer's page · capitalone.com
“Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 8, 2026
Issuer's page · capitalone.com
“Key Rewards Visa: Purchase APR: 29.49% variable APR; Balance Transfer APR: 29.49% variable APR; Cash Advance APR: 29.49% variable APR.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 8, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Good-excellent Credit
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $0 | $0 | |
| Typical spender | $0 | $0 | |
| Heavy spender | $0 | $0 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: rewards spendable only with Key Rewards: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: rewards spendable only with Key Rewards: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: rewards spendable only with Key Rewards: not counted (brand_rewards).
$0a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: rewards spendable only with Key Rewards: not counted (brand_rewards).
Use your own spending
Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$610 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$600 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$600 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Key Rewards
How you earn
- 5%
- At Pottery Barn, Williams Sonoma, Williams Sonoma Home, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, and Mark & Graham; 10% back for the first 30 days, 5% back thereafter. Net Eligible purchases exclude GreenRow and Dormify.
- 4%
- Grocery stores; grocery purchases made at gas stations, convenience stores, warehouse clubs, discount stores, and super stores, or at grocery stores associated with discount or super stores, earn 1% back.Restaurants, including fast food, earn 4% back.Food delivery services earn 4% back.
- 1%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Birthday rewards certificate: $25 annual
- $25 birthday rewards certificate issued during the cardmember's birthday month, subject to having a valid email address and U.S. mailing address, an open and current account, and a purchase during the prior 12 months. The certificate must be redeemed within 30 days following issuance.
- Free standard shipping on eligible Williams Sonoma items within the contiguous 48 states when at least $0.01 is spent with the Key Rewards Visa and the card is the initial payment method.
- 12-month promotional financing with zero interest and 12 equal monthly payments on qualifying purchases of $750 or more at participating brands; rewards are not earned on these purchases.
- No annual fee.
All 8 benefits
- Card can be used at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Rejuvenation, Mark & Graham, and anywhere Visa is accepted.
- Key Rewards can be redeemed at the participating brands online or in-store.
- Account management, virtual card access, card lock, AutoPay, and rewards tracking through the Capital One Mobile app.
Changes
- Nov 1, 2026 APR 29.24% to 29.49%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 8, 2026 Issuer's page · capitalone.com “Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 8, 2026 Issuer's page · capitalone.com “Key Rewards Visa: Purchase APR: 29.49% variable APR; Balance Transfer APR: 29.49% variable APR; Cash Advance APR: 29.49% variable APR.” |
| Intro APR | Receipt · Intro APRChecked Nov 8, 2026 Issuer's page · capitalone.com “$750” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 8, 2026 Issuer's page · capitalone.com “Key Rewards Visa: Purchase APR: 29.49% variable APR; Balance Transfer APR: 29.49% variable APR; Cash Advance APR: 29.49% variable APR.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 8, 2026 Issuer's page · capitalone.com “Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 8, 2026 Issuer's page · capitalone.com “Key Rewards Visa: Purchase APR: 29.49% variable APR; Balance Transfer APR: 29.49% variable APR; Cash Advance APR: 29.49% variable APR.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 8, 2026 Issuer's page · capitalone.com “Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 8, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- Credit the issuer asks for: Good-excellent Credit (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $0 · capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 29.49% APR · capitalone.com, since Nov 1, 2026
- Is there an intro APR?
- Zero interest (promotional financing on qualifying purchases of $750 or more) for 12 months. · capitalone.com, since Nov 1, 2026
- What credit do you need?
- Good-excellent Credit · capitalone.com, since Sep 29, 2026