The Key Rewards Visa Review

All benefits

• Cash back
  • 5% Online and in stores across seven brands.
  • 4% At grocery stores and restaurants (excludes fast food).
  • 1% On everything else.
• Bonuses
  • 10% back in rewards across seven of Williams-Sonoma, Inc.’s brands for your first 30 days from account opening;
  • 5% online and in stores across seven brands;
  • 4% back at grocery stores and restaurants (excludes fast food);
  • 1% back on everything else;
  • $25 birthday reward;
  • Free standard shipping at Williams Sonoma.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 30.24% Variable
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • 30.24% Variable
• APR for Cash Advances
  • 30.24% Variable
• How to Avoid Paying Interest
  • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases, provided you have paid your previous balance in full by the due date each month. You will be charged interest on cash advances and balance transfers on the transaction date.

Fees

Pros & Cons

Features

• No Annual Fee
• No foreign transaction fees
• Cashback
• Rewards
• Excellent Credit