Last Updated: 07/28/2025
SuperMoney User Recommendation Score -78
Strongly not recommended18 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
29.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
29.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
640 - 850
Annual Fee
$0
Number of Reviews
Williams Sonoma Visa Credit Card Review
This is a store cashback credit card issued by Comenity Bank. If you're wondering whether Williams Sonoma Visa Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- Signup bonus. Offers a signup bonus of up to $20.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 29.74%
- 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 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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, 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 you have a fair credit score or better.
Pros & Cons of Williams Sonoma credit card
| The Good | The Bad |
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Williams Sonoma credit card FAQ
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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retail | Up to 10 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 4 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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?
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.Williams Sonoma Visa Credit Card has a variable purchase APR of 29.74%. The card has a variable balance transfer APR of 29.74% . It also has a variable cash advance APR of 25.74% .
Does Williams Sonoma credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Williams Sonoma 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 Williams Sonoma credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 credit card have a foreign transaction fee?
Williams Sonoma credit card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Williams Sonoma credit card?
The customer service number for Williams Sonoma credit card is (185) 579-69632.
How do people rate the customer service and user experience of Williams Sonoma credit card?
Overall, Williams Sonoma credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Williams Sonoma Visa Credit Card report your account activity to credit bureaus?
Yes, Williams Sonoma 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 Comenity Bank perform a hard credit pull?
Yes, Williams Sonoma credit 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 Williams Sonoma credit card
- Visit the website of Williams Sonoma credit 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.
Message from Williams Sonoma credit card
Contact
Headquarters
Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
9:00AM - 5:00PM
Other Services by Comenity Bank
Other Credit Cards from Comenity Bank
Rating not yet determined
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
Up to 850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
Starting at 29.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 27.24%
Disclaimer popup with additional information
Balance Transfer APR
Up to 26.99%
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Up to 29.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 26.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 26.99%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -78, or 1.4 on a 5-point rating scale.
-78
-1000+100
No one recommends
Everyone recommends
Williams Sonoma Visa Credit Card Community Reviews
Would you recommend Williams Sonoma Visa Credit Card to your friends?
EC
Elsa C.
Aug 10, 2021
May or may not recommend
To high interest rate,when there are others credit card with much lower rate.
MD
Michael D.
May 20, 2021
May or may not recommend
Had this card for 1 and half years, never used it. No need to purchase anything at the time. Decided to make a purchase for my wife one day. DENIED! Due to no activity account was closed without any notification. How often do you really need to purchase items from Williams Sonoma.
LK
Laurie K.
Dec 20, 2020
May or may not recommend
Williams Sonoma cart checkout stated "Preapproved" and I signed up to get 20% off my purchase. Upon completing the application, it states I will receive approval within 2 weeks. To qualify for the 20% off my purchase, the credit card needs to be approved same day as application submitted. My AMEX FICO score is 841 which is in Excellent range. I have no idea why I ...Show More
JD
John D.
Dec 5, 2020
May or may not recommend
The "20% off" if you apply for a William Sonoma card is pure bait-n-switch. The fine print says "Application and approval must occur same day to receive the offer" except amazingly enough, that never occurs. Even if your credit score is 840 and any store in the world will grant you a credit card, it will take "10-14 days" for Williams Sonoma (really Comenity Bank) to approve. Nobody you call ...Show More
U
Anonymous
Aug 20, 2020
May or may not recommend
I had their credit card for years. Excellent payment history. Hadn’t used it for maybe a year and they closed my account using some lame excuses. The fact that they weren’t making money off me was the issue. I went to use it and THEN they notified me that they closed it due to lack of use.
Julie C.
May 1, 2020
May or may not recommend
If you do not use your card as often as they think you should, comenity bank will just close your account without telling you are notifying you and ding your credit score!!
JN
Jane N.
Jan 29, 2020
May or may not recommend
Interest charges were added to my supposedly interest free account. Although I made some purchases on my account during the billing cycle, and in fact, paid for them in full, the payment was applied toward the balance on my interest free account. Unknowingly, I had created a revolving charge account to which interest was charged. I also made my regular monthly payment toward my interest free account, and ...Show More
NY
Nadeem Y.
Jan 5, 2020
May or may not recommend
I did not use my credit card for some times and William Sonoma Cancelled my card without notifying me of their action. When intended to buy some stuff, it was revealed that my card had already been cancelled. My credit score is Excellent and I found it very odd that they did it. Shameful and disgusting.
U
Anonymous
Sep 18, 2019
May or may not recommend
The online payment system DOES NOT allow you to proceed when paying off balance in full. It requires that one enter an amount lesser than the full card balance. Then it charges you a progressively more expensive late fee (min. $35) on top of outragrous interest for the $1 or $0.01 you pay for because it won't let you pay in full. Although I paid for my purchase in full, ...Show More
DM
Deborah M.
Jul 11, 2019
May or may not recommend
I have been on hold for 25 minutes waiting to report fraud charges...still waiting. This is the second time I have tried calling and waiting on hold for way too long. This is also the second card I am having to close because of fraudulent activity. When I finally reached the fraud department the fraud specialist was very professional and helpful. Which fortunately/unfortunately was the complete opposite experience ...Show More
U
Anonymous
Apr 23, 2019
May or may not recommend
I opened a card to buy a large purchase ($250). The rewards are not remotely worth it and they try everything to NOT give you a discount or free shipping. I was charged $27 due to a small banking error. I immediately rectified it but was told that the fee could not be waived despite paying early and in full. I spoke to customer service about this issue and they ...Show More
U
Anonymous
Mar 29, 2019
May or may not recommend
William Sonoma canceled my card due to a drop in my credit score. I disputed a charge from a different business and it eventually was resolved but during that process it went against my credit... I always paid my william sonoma card on time every time. Very disappointed.
JS
James S.
Dec 15, 2018
May or may not recommend
you can not use it the same day you want to purchase an item at william sonoma. You need towait 10 -14 days. Also that stated you recieve a 20% discount for using it when you apply. That does not work if you need to wait .
Kensington M.
Dec 6, 2018
May or may not recommend
Awful interest rate, you can easily get into trouble with this card. The finance charges have been so hard to pay it off.
U
Anonymous
Oct 10, 2018
May or may not recommend
No balance transfer fee, 0% interest for 12 months.
Free shipping for Wms Sonoma, rewards certificates for Wms Sonoma. Reasonable interest rate for a store card.
MH
Michelle H.
Jun 23, 2018
May or may not recommend
DO NOT APPLY FOR THIS CARD!! I was approved, and within a month they closed the account due to “too many inquiries” on my credit. No only did the inquiry hurt my credit score, but now the account closure did as well. Called and asked them to reopen and the representatives have NO AUTHORITY to reopen, so I would have to writ a letter to corporate to ask them to ...Show More
LD
Lisa D.
May 14, 2018
May or may not recommend
This is a great card with superior balance transfer options that they offer throughout the year that have zero balance transfer fees and 18 month interest free financing. I have not found a credit card with such exceptional incentives!!
U
Anonymous
Dec 14, 2017
May or may not recommend
I have excellent credit (right around 800) and would qualify for any card if I walked into the store to apply for it. Tonight, while shopping for Christmas gifts, I fell into the trap of applying for the WS card with the promise of a 20% discount with approval. Within seconds of hitting submit, I got the message that my account would be reviewed and I would receive letter ...Show More
Showing 18 of 18 reviews
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