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Online and in stores
5%
Grocery stores and restaurants
4%
Everything else
1%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
None
N/A
29.74%
10% back across the seven brands for the first 30 days after account opening.
For every $20 of rewards you earn, you will receive a $20 Rewards Certificate to be used at any of the brands.
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.
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.
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.
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
29.74%
29.74%
None
None
up to $40
None
750+
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.
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.
| Pros | Cons |
|---|---|
 High rewards earned for purchases at co-branded stores |  Rewards only come after earning $20 |
| No annual fee | Rewards 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 |
