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  West Elm Key Rewards Credit Card
West Elm Key Rewards Credit Card Claimed

West Elm Key Rewards Credit Card

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Highlights
Purchase APR  (Variable APR) Up to 28.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 550 - 850
Annual Fee $0

West Elm Key Rewards Credit Card Review

This is a store rewards credit card issued by Capital One. If you're wondering whether West Elm credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of West Elm credit card

The Good The Bad
  • No annual fee
  • Good way to build or improve credit. Lower credit scores often approved.
  • No annual fee.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on purchases everywhere West Elm Key Rewards Credit Card is accepted.
  • West Elm Key Rewards Credit Card reports to multiple credit bureaus.
  • High interest rate
  • Store card only. Cannot be used for other purchases.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.

West Elm credit card FAQ

Does West Elm credit card have a cash back or rewards program?

West Elm credit card is a rewards card.

West Elm credit card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does West Elm credit card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does West Elm credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for West Elm credit card?

It has a variable purchase APR of up to 28.49%.

Does West Elm credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does West Elm credit 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 West Elm credit card?

The following fees apply:

West Elm credit 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 rewards card.

What is the customer service phone number for West Elm credit card?

The West Elm credit card customer service number is (877) 383-4802.

What is the support contact email for West Elm credit card?

The support contact email for West Elm credit card is support@capitalone.com.

What is the West Elm credit card login page?

You can access the West Elm credit card login page here.

How do people rate the customer service and user experience of West Elm credit card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does West Elm Key Rewards Credit Card report your account activity to credit bureaus?

Yes, West Elm Key Rewards 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 West Elm credit card

  • Visit the West Elm credit 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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Interest Charge $2
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 550 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Balance Computation daily balance
Purchase APR (Variable APR) Up to 28.49%
Card Type
  • Rewards
  • Store Card
Card Network Other

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