Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
29.74% - 30.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
29.74%(Verified 06/21/2024)
Credit Score Range
680 - 850
Annual Fee
$0
The Key Rewards Visa Credit Card Review
This is a store cashback credit card issued by Capital One. If you're wondering whether The Key Rewards Visa Credit 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.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- A 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 security, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of the key rewards card
| The Good | The Bad |
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | Up to 4 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | Up to 4 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| In-Store Eligible Purchases | Up to 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does the key rewards card have a signup bonus?
Yes. 10% back in rewards across seven of Williams-Sonoma, Inc.’s brands for your first 30 days from account opening.
Does the key rewards card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the the key rewards card benefits?
The Key Rewards Visa Credit Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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% .
Does the key rewards card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does the key rewards card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for the key rewards card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
What is the customer service phone number for the key rewards card?
The customer service number for the key rewards card is (877) 383-4802.
What is the support contact email for the key rewards card?
The support contact email for the key rewards card is support@capitalone.com.
How do people rate the customer service and user experience of the key rewards card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does The Key Rewards Visa Credit Card report your account activity to credit bureaus?
Yes, The Key Rewards Visa Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Capital One perform a hard credit pull?
Yes, the key rewards card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for the key rewards card
- Visit the website of the key rewards card.
- 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
630 - 750
300
850
Annual Fee
$0
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
640 - 700
300
850
Annual Fee
$39
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
640 - 720
300
850
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
750 - 850
300
850
Annual Fee
$95
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
17.99% - 27.74%
Disclaimer popup with additional information
Balance Transfer APR
17.99% - 27.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
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