Williams Sonoma Visa Credit Card Review

This is a store cashback credit card issued by Comenity. If you're wondering whether Williams Sonoma 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.

• Generous reward rate. You will get a cashback rewards rate of up to 5%.
• Signup bonus. Offers a signup bonus of $20.
• Competitive APRs. Williams Sonoma Visa Credit Card has a variable purchase APR that ranges from 16.74% up to 23.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• 5% Balance transfer fee. Williams Sonoma Visa Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 640.

Does Williams Sonoma credit card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

What are the Williams Sonoma credit card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Williams Sonoma credit card?

It has a variable purchase APR that ranges from 16.74% up to 23.74%. The card has a variable balance transfer APR of 26.99% . It also has a variable cash advance APR of 25.74% .

What are the fees for Williams Sonoma credit card?

The following fees apply:

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

Does Williams Sonoma Visa Credit Card report your account activity to credit bureaus?

Yes, Williams Sonoma 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 Williams Sonoma credit card

• Visit the Williams Sonoma 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.