The Key Rewards Visa Credit Card

The Key Rewards Visa Credit Card Review

This is a store cashback card issued by Capital One. If you're wondering whether the key rewards card is the right card for you, read on.

Key Takeaways

• 10% back in rewards across seven of Williams-Sonoma, Inc.’s brands for your first 30 days from account opening.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 29.74% up to 30.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. The Key Rewards Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
• Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, price protection, purchase protection, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of the key rewards card

The Good	The Bad
No annual fee. Multiple credit card perks. Identity Theft Protection. Travel assistance insurance Cardholders can earn rewards on their purchases. The Key Rewards Visa Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. You need good credit to qualify. Does not offer a signup bonus. Charges a 3% balance transfer fee.

the key rewards card FAQ

Does the key rewards card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

the key rewards card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)

What are the the key rewards card benefits?

It provides the following benefits:

• Zero fraud liability
• Price Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for the key rewards card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

The Key Rewards Visa Credit Card has a variable purchase APR that ranges from 29.74% up to 30.99%. The card has a variable balance transfer APR of 29.74% . It also has a variable cash advance APR of 29.74% .

What are the fees for the key rewards card?

The following fees apply:

the key rewards card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does The Key Rewards Visa Credit Card report your account activity to credit bureaus?

Yes, The Key Rewards Visa Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for the key rewards card

• Visit the the key rewards card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.