You will earn Rewards when you, or an authorized user, make eligible purchases of goods and services for personal, family and household purposes using your Account, minus any returns, refunds, ineligible items, taxes, shipping, or credit adjustments ("Net Eligible Purchases"). Purchases made using promotional financing plans are not eligible to earn Rewards. Rewards are calculated and rounded up to the nearest penny.

Using your West Elm Key Rewards Visa you will earn:

• 5% back in Rewards for Net Eligible Purchases made at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, west elm, Rejuvenation, and Mark & Graham stores, catalogs, or online (collectively referred to as Williams-Sonoma, Inc. Brands). GreenRow is not eligible.
• 4% back in Rewards for Net Eligible Purchases made at grocery stores. You will also earn 4% back on purchases made at restaurants, excluding fast food restaurants, but including food delivery services.* **
• 1% back in Rewards for Net Eligible Purchases made everywhere else Visa is accepted.
• For new cardholders only, additional 5% bonus in Rewards for Net Eligible Purchases made at Williams-Sonoma, Inc. Brands during the first 30 days from credit card account opening.

Using your West Elm Key Rewards Card you will earn:

• 5% back in Rewards for Net Eligible Purchases made at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, west elm, Rejuvenation, and Mark & Graham stores, catalogs, or online (collectively referred to as Williams-Sonoma, Inc. Brands). GreenRow is not eligible.
• For new cardholders only, additional 5% bonus in Rewards for Net Eligible Purchases made at Williams-Sonoma, Inc. Brands during the first 30 days from credit card account opening.

The amount of Rewards earned is based on the date your purchase was made, which may be different than the date the transaction posts to your Account. For mail order, special order, online, and other purchases, your transaction may not post to your Account until items have shipped.

Purchases made at Williams-Sonoma, Inc. Brands outside of the United States and purchases made for third-party products or services offered through the websites associated with Williams-Sonoma, Inc. Brands do not qualify for Rewards. Examples of third-party vendors include: Sun Basket and special events requiring registration through Eventbrite. Installation Services, volume gift card purchases, bulk orders, donations and bag fees are also not eligible to earn Rewards. Rewards will not be earned on any portion of a purchase that is paid for with a gift card or Reward Certificate. Silver Key Rewards and Gold Key Rewards cannot be earned on the same charge.

* Reward Merchant Classification Codes: Merchants who accept Visa are assigned a merchant classification code ("MCC"), which is determined by the merchant or its processor in accordance with Visa procedures based on the products and/or services they primarily sell. Williams-Sonoma, Inc. and Capital One do not control the assignment of these codes and are not responsible for incorrectly coded purchases. Even though a merchant or some of the items it sells may appear to fit within a certain Reward category, the merchant may not have a code in that category. Purchases made with third-party payment accounts, including but not limited to Apple Pay, PayPal and Venmo, will earn 1% back in Rewards.

** Grocery purchases made at gas stations, convenience stores, warehouse clubs, discount stores, and super stores (or at grocery stores associated with discount or super stores) and purchases made at fast food restaurants will earn 1% back in Rewards.

Rewards awarded for returned or voided items will be deducted from your Rewards Balance, which will reduce or may eliminate accumulated Rewards and may result in a negative Rewards Balance. If your Rewards Balance goes negative, you must first earn Rewards to bring your Rewards Balance to zero before earning any Rewards eligible for redemption. Rewards Balance that does not exceed the Reward Certificate threshold will expire after 24 months of no activity on the Rewards Account. Williams-Sonoma, Inc. reserves the right to verify and adjust Rewards and Reward Certificates, as applicable, at any time.

From time to time, Williams-Sonoma, Inc. may make bonus offers to earn additional rewards ("Bonus Rewards"). Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, Bonus Rewards limits, or exclusions. For example, you may have to register to qualify for the offer, and employees will be excluded from certain incentivized offers. Williams-Sonoma may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Rewards already earned. Certain offers may only be communicated via email. Williams-Sonoma, Inc. reserves the right to exclude gift card purchases at Williams-Sonoma, Inc. brands from bonus rewards.

For every $10 of Rewards you earn, you will receive a $10 Rewards Certificate following a 30-day vesting period. Reward Certificates will be issued in increments of $10, with a minimum amount of $10. Multiple Reward Certificates may be issued. Reward Certificates may only be redeemed on qualifying purchases using your Account in all Williams-Sonoma, Inc. Brands. GreenRow is not eligible.

Reward Certificates may not be applied to past purchases or used towards payment of any outstanding obligations to Capital One or its affiliates. Reward Certificates can be partially redeemed if the purchase amount does not exceed the Reward Certificate amount. Reward Certificates are refundable if item(s) purchased with the Reward are returned within the expiration window. Same-day cancellations purchased with Williams-Sonoma, Inc. Key Rewards Credit Card Rewards online or as phone orders may not be reflected via email for up to 24 hours.

Williams-Sonoma, Inc. is not responsible for lost or stolen Reward Certificates. Once your rewards have vested, you will receive your Reward Certificate via email if you have a valid email on file. If you don’t have a valid email on file, you will receive the Rewards Certificates via mail. Contact Capital One to update your contact information for your Account.

Rewards and Reward Certificates are nontransferable. Cannot be sold or redeemed for cash. Rewards Certificates expire 180 days from the date they are issued.

A Birthday Benefit in the form of a $25 bonus certificate will be issued to eligible cardholders during your birthday month. Offer will be received via email during your birthday month. To receive the Birthday Benefit, you must make a purchase in the previous 12 months starting 1 month prior to your birthday, have a valid email address and U.S. mailing address, and your Account must not be in default. Accounts that opened in your birthday month or previous month will be eligible for the offer during the birthday month of the following calendar year.

If you have a West Elm Key Rewards Visa, you may call customer service 10 days after your account is opened to inquire whether balance transfers are available. Transfers between Capital One accounts are not permitted. That means balances cannot be transferred to this account from any other credit card issued by Capital One.

We will apply payments up to your minimum payment first to the balance with the lowest APR (including 0% APR), and then to balances with higher APRs. We apply any part of your payment exceeding your minimum payment to the balance with the highest APR, and then to balances with lower APRs.

If you pay your statement’s “New Balance” in full by the due date each month, we will not charge interest on any new transactions that post to the standard purchase balance. If you have been paying your account in full without interest charges, but fail to pay your next “New Balance” in full, we will charge interest on the unpaid balance. For cash advances and transfers available only with the West Elm Key Rewards Visa, we will start charging interest on the transaction date. From time to time, we may offer balance transfers or promotional purchase financing that do allow you to pay less than the statement “New Balance” and still avoid interest on any new transactions that post to the standard purchase balance. However, in these cases you must pay in full transactions that are posted to the standard purchase balance and any cash advance balance, plus at least the minimum payment amount for all other balances on the account by the due date each month. We may also display an interest saver payment amount on your statement, if applicable, for your convenience.

Interest charges accrue from the 1) date of the transaction, 2) date the transaction is processed or 3) first day of the billing period. Interest accrues daily on every unpaid amount until it is paid in full. Any interest that has accrued during a billing period will post to your account at the end of the billing period and will appear on your next statement. This means you may owe interest charges even if you pay the entire “New Balance” one month, but did not do so the previous month. For example, even if a customer pays their balance in full on a February 26th due date, interest would continue to accrue on the balance from February 2nd (the start of the Billing Cycle) through February 26th, and will appear on their next statement. Once you start accruing Interest Charges, you generally must pay your New Balance in full for two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. Interest charges are added to the proper Credit Plan of your account. However, we reserve the right to not assess interest charges. 

We use a method called Average Daily Balance (including new transactions). Under this method, we first calculate your daily balance; for each Credit Plan, we 1) take the beginning balance and add in new transactions and the periodic Interest Charge on the previous day’s balance, then 2) subtract any payments and credits for that Credit Plan as of that day. The result is the daily balance for each Credit Plan. However, if you paid your previous month’s non-promotional balance in full (or if your balance was zero or a credit amount), new transactions which post to your purchase or special purchase Credit Plans are not added to the daily balances. Also, transactions subject to a grace period are not added to the daily balances.

Next, to find your Average Daily Balance we: 1) add the daily balances together for each Credit Plan, and 2) divide the sum by the number of days in the Billing Cycle.

At the end of each Billing Cycle, we determine your Interest Charge as follows: 1) multiply your Average Daily Balance by the daily periodic rate (APR divided by 365) for each Credit Plan other than Same As Cash Credit Plans, and 2) multiply the result by the number of days in the billing period. For Same As Cash Credit Plans, if interest is applied, the interest is accrued from the transaction date of the purchase through the current Billing Cycle. The Interest Charge for Same as Cash Credit Plans is the total of:

• the applicable daily periodic rate (APR divided by 365) for the current Billing Cycle times the daily balance for each day in the current Billing Cycle; plus
• the applicable daily periodic rate for each prior Billing Cycle times the daily balances of the Credit Plan for each day during each prior Billing Cycle.

We add the Interest Charges for all Credit Plans together. The result is your total Interest Charge for the Billing Cycle.

NOTE: Due to rounding or a minimum Interest Charge, this calculation may vary from the Interest Charge actually assessed.

Yes.

We may offer you promotional financing opportunities throughout the year. If we do, these offers may require you to make a purchase of a minimum purchase amount or merchandise type. If you make a purchase which is eligible for a promotional Credit Plan, then the applicable terms displayed below will apply. After expiration of a promotional Credit Plan, any remaining promotional purchase balance will be subject to the standard minimum payment and a variable APR of 29.24% for West Elm Key Rewards Visa, or 30.24% for West Elm Key Rewards Card. This APR will vary with the market based on the Prime Rate.

Currently available as of Jan. 2025:

Credit Plan Description	Required Minimum Payment	Credit Plan Terms
12 Month Waived Interest Charges / Equal Payments	Equal payments calculated to pay your purchase in full during the promotional period.	No interest charges on the promotional item(s) for the specified plan duration. After expiration, any remaining balance will be assessed the rate described above until paid.

Not available as of Jan. 2025, but could be offered in the future:

Credit Plan Description	Required Minimum Payment	Credit Plan Terms
6, 15, 18 or 24 Months Waived Interest Charges / Equal Payments	Equal payments calculated to pay your purchase in full during the promotional period.	No interest charges on the promotional item(s) for the specified plan duration. After expiration, any remaining balance will be assessed the rate described above until paid.
Reduced Rate / Equal Payments	Equal payments calculated to pay your purchase in full during the promotional period.	For the specified plan duration after purchase, the Promotional APR options listed below will apply to the balance attributed to the promotional item(s). Beginning after the specified plan duration, the rate attributed to the promotional item(s) will increase to the referenced rate described above.
Promotional APR	Reduced Rate Plan Duration Options in Number of Months
0% 3.99% 6.99% 7.99% 9.99%	6     12     15     18     24     36     48     60     6     12     15     18     24     36     48     60     6     12     15     18     24     36     48     60     6     12     15     18     24     36     48     60     6     12     15     18     24     36     48     60