Credit Cards (US)

The Key Rewards Visa full review: more rewards at no annual fee

Check out the new Capital One card on The Key Rewards Visa review to find out how much you will earn back in rewards across seven of Williams-Sonoma, Inc.’s brands.

The Key Rewards Visa: up to 5% back in rewards

This can be the key to unlocking many rewards. Source: The Mister Finance.
This can be the key to unlocking many rewards. Source: The Mister Finance.

The Key Rewards Visa review will show you how this new Capital One card works so you can decide whether it is a good choice for you or not.

The Key Rewards Visa

How to apply for The Key Rewards Visa?

Check out how easy it is to apply for The Key Rewards Visa credit card from Capital One and enjoy rewards and other perks at no annual fee.

To sum up, the card is suitable for Williams-Sonoma clients or clients-to-be. And it doesn’t charge any annual fee.

Credit ScoreExcellent
APR29.74% (variable)
Annual Fee$0
FeesBalance transfer fee: from none to 3% of the amount of each transaction that posts to your account at an eligible promotional APR, and none for balances transferred at the Transfer APR;
Cash advance: $3 or 3% of the amount of each transaction, whichever is greater;
Late Payment: up to $40
Welcome bonus10% back in rewards in seven of Williams-Sonoma, Inc.’s brands for the first 30 days from the account opening date
Rewards5% back online and in-store purchases across seven brands;
4% back at restaurants and grocery stores (except fast food);
1% back on other purchases

As can be seen, the reward tier is pretty reasonable, considering the cost is low. But is it really worth it? Continue reading to find it out!                          

How does The Key Rewards Visa work?

Capital One offers one more credit card that Works better for those who already are Williams-Sonoma clients and those who want to be.

In general, the card features a great reward tier, divided into some categories, as follows:

  • 5% back online and in-store purchases across seven brands;
  • 4% back at restaurants and grocery stores (except fast food);
  • 1% back on other purchases.

Also, it offers a good welcome bonus of 10% back in rewards in seven of Williams-Sonoma, Inc.’s brands for the first 30 days from the account opening date.

Not to mention that you will receive a $25 birthday reward in addition to other benefits like a 12-month promotional financing plan on purchases of at least $750 and free shipping on Williams-Sonoma purchases.

There is no annual fee, as well.

On the other hand, it is important to note that the APR is quite high for purchases, balance transfers, and cash advances.

So, it is crucial to maintain your account in good standing to avoid interest.          

The Key Rewards Visa benefits

Get up to 5% cash back with The Key. Source: Canva.
Get up to 5% cash back with The Key. Source: Canva.

This Visa is an amazing option for Williams-Sonoma clients that have excellent credit. Besides the rewards and perks, it doesn’t charge an annual fee.

Basically, a reasonable card for shoppers that want something extra.

Pros

  • The card offers good reward rates;
  • It features a great welcome bonus;
  • It doesn’t charge an annual fee;
  • It gathers Capital One security features as well as Online & Mobile banking;
  • It provides other benefits like anniversary bonuses and free shipping.
  • You will be considered for the Key Rewards Card if you are not approved for this card.

Cons

  • APRs are quite high;
  • There is no prequalification available.

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How good does your credit score need to be?

Capital One requires an excellent credit score for you to be able to apply for this card and be considered for it.

How to apply for The Key Rewards Visa?

As shown on The Key Rewards Visa review, this card is suitable for Williams-Sonoma clients and clients-to-be. It gathers amazing rewards along with other valuable benefits. 

Then, learn how to apply for The Key Rewards Visa.

The Key Rewards Visa

How to apply for The Key Rewards Visa?

Check out how easy it is to apply for The Key Rewards Visa credit card from Capital One and enjoy rewards and other perks at no annual fee.

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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