Capital One The Key Rewards Visa Review

Save big across some of the best furniture and home brands in the world with this card.

Written by : Updated On: August 3

The basics

Reward Rate:


Online and in stores


Grocery stores and restaurants


Everything else


1. 5% back online and in stores at the following brands:

Williams Sonoma

Williams Sonoma Home

Pottery Barn

Pottery Barn Kids

Pottery Barn Teen

West Elm

Mark & Graham stores

2. 4% back at grocery stores and restaurants, including food delivery but excluding fast food

3. 1% back on all other purchases

Key Features:

Annual Fee


Intro APR


Regular APR


Signup Bonus


10% back across the seven brands for the first 30 days after account opening.

Redemption ways


For every $20 of rewards you earn, you will receive a $20 Rewards Certificate to be used at any of the brands.

Our Verdict

The co-branded Capital One Key Rewards Card gives a whopping 10% back on purchases for the first 30 days after account opening when shopping at any of the seven brands. You can get something for everyone between Pottery Barn, Pottery Barn Kids, Pottery Barn Teens, West Elm, Williams Sonoma, Williams Sonoma Home, and Mark & Graham stores. Do note that the 10% back comes in the form of a Rewards Certificate, meaning that you must use it on purchases at the brands on the card. However, if you have a lot you need to buy down the line, then this could be a great way to get a discount.

With no annual fee and a $25 gift certificate on your birthday every year, we really like this card for purchases at these brands. They are also currently offering promotional financing on purchases over $750 for 12 months, which is easy to hit when buying furniture or other home furnishings.

Best Suited for:


The Avid Shopper

You love a great bargain and know your way around a Neiman Marcus as well as a Target. You also love a good online shopping session. Finding a sale at your favorite store is great, but what you really love is a great cash back rewards program.

Hidden perks

The best part of this card is the 10% back at the stores for the first 30 days after opening an account. Make sure you time it to where you can get the most rewards, so save your big home purchases for right after you get approved.

Pair this card with:

The Platinum Card® by American Express


You should really only be using this card to make purchases at the seven brands listed on the card. While you do get cash back at grocery stores, you can only use the cash back at the brands as Rewards Certificates, so it makes sense to pair this card with a cash back card that gives you statement credits to offset your spending. We love the Platinum Card from American Express. Although you need excellent credit to use this card, it comes with some of the best perks in the industry. When you use these cards together, you really feel the luxury.

Apply for: The Platinum Card® by American Express

Beyond the basics

Balance Transfer Intro APR


Cash Advance APR


Foreign Transaction fees


Loan APR


Late Payment fee

up to $40

Penalty APR


Credit Score required


Other Offers

Enjoy promotional financing on purchases of $750 or more when using your card.

$25 birthday reward sent to your email each year.

Receive free standard shipping at Williams Sonoma.

Cashback Example

If you spent $200 per month at participating brands, $1300 per month at restaurants and on groceries, and $750 per month on other purchases, you would get $834 in rewards each year, which can be used on purchases at your favorite stores.

High rewards earned for purchases at co-branded stores Rewards only come after earning $20
No annual feeRewards come in the form of a certificate which can only be used at the participating brands
High APR relative to other cards on the market
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