There’s no doubt the COVID-19 pandemic changed how we live, shop and spend our time. Over the two and a half (plus) years, our homes became a central hub and created a boon for retailers focused on furnishings, wares and home improvement.

The world’s largest digital-first, design-led and sustainable home retailer, Williams-Sonoma, Inc., is no exception. In 2021, the retailer launched a credit card program in partnership with Capital One that makes it easier and more rewarding to revamp your space.

When shopping at popular brands such as Williams Sonoma, Pottery Barn, West Elm and Mark & Graham, the Key Rewards Credit Card Program can help you earn more as you maximize and redesign spaces in your home. And with its Key Rewards Visa Card*, you can earn ongoing rewards on these purchases.

What does the Key Rewards Visa offer?

Quick highlights

  • Welcome offer: 10 percent back in rewards across the Williams Sonoma family of brands for your first 30 days from account opening
  • Rewards rate: 5 percent back online and in stores on purchases made with Williams-Sonoma, Inc. brands, including Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm and Mark & Graham; 4 percent back at grocery stores and restaurants (excluding fast food); 1 percent back on everything else
  • Annual fee: $0
  • Regular APR: 27.99 percent variable

As you can see, this card offers a generous rewards structure for no fee, so you can earn on both your spending at Williams-Sonoma, Inc. family of brands and other common categories like grocery and restaurant spending — a market-leading value in the store card space.

The Key Rewards Visa also features a 12-month promotional financing offer through which you can include larger, more expensive items (of $750 or more) to your budget without paying outrageous interest fees.

A few other benefits cardholders can expect include free standard shipping at Williams Sonoma and a $25 birthday award in the form of a bonus certificate each year during your birthday month. And as a Visa Signature credit card, the Key Rewards Visa carries added perks, including (but not limited to):

  • Complimentary access to Visa Signature Concierge services
  • Travel and emergency assistance services
  • Roadside dispatch
  • NortonLifeLock

Rewards redemption

Rewards earned with the Key Rewards Visa card come in the form of a $10 Rewards Certificate for every $10 in rewards you earn (following a “30-day vesting period,” according to the card’s application page). Unfortunately, you can only redeem your rewards on purchases made with Williams-Sonoma, Inc. brands.

Where can I use the Key Rewards Visa?

Unlike some retail credit cards that are closed-loop — meaning you can only use them at the store that issues the credit card — you can use the Key Rewards Visa anywhere Visa is accepted. If you want to earn 5 percent rewards redeemable for Williams-Sonoma, Inc. purchases, here are the seven brands you can spend and redeem at:

  • Pottery Barn
  • Pottery Barn Kids
  • Pottery Barn Teens
  • Williams Sonoma
  • Williams Sonoma Home
  • West Elm
  • Mark & Graham

How to maximize the Key Rewards Visa

To get the most value out of the Key Rewards Visa, make sure to focus a majority of your home decor-related spending to the seven stores listed above, whether that be pots and pans for your kitchen or a new bunk bed for your kids. Given the upcoming holiday season, you might also consider making a handful of holiday gift purchases with these retailers in order to snag that 5 percent back rewards rate.

And considering the card’s welcome offer, you might want to strategically make any long sought-after purchases within your first 30 days of card ownership to secure the 10 percent back rewards rate.

Further, be sure to pull out the Key Rewards Visa when you’re stocking up your pantry or dining out. Its 4 percent rewards rate on groceries and restaurants is pretty stellar for a no-annual-fee card, and there’s no limit to the amount of rewards you can earn.

Lastly, if you absolutely need to, consider taking advantage of the 12-month promotional financing offer for purchases over $750; utilizing this promotional offer is better than carrying debt at the card’s 27.99 variable APR. Note, though, purchases made using the card’s promotional financing plan does not earn rewards, and it’s better to avoid carrying a balance in general.

The bottom line

Whether you’re building out a home office or getting the perfect gift for the holiday season, the Key Rewards Visa can help you earn rewards on stylish, high-quality home goods. If you’re ready to bring out your inner interior designer or consummate gift-giver, the additional card perks and promotions make it that much more worthwhile to get started.

Bear in mind, if you aren’t loyal to any stores under the Williams-Sonoma, Inc. family of brands, there are other cards on the market that offer rewards on shopping, as well as grocery store and restaurant purchases. Consider our list of the best credit cards for shopping, as well as the best credit cards for department stores before you apply.

*The information about the Key Rewards Visa has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.