Williams Sonoma Visa Credit Card Review

Williams Sonoma Visa Credit Card is a store rewards credit card issued by Comenity. If you're wondering whether Williams Sonoma Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• Generous reward rate. You will get a a rewards rate of up to 5x.
• Signup bonus. Offers a signup bonus of $20.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.24% up to 25.24%.
• 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.
• 5% Balance transfer fee. Williams Sonoma Visa Credit Card charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $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, travel assistance, and fraud protection.
• Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.

Williams Sonoma Visa Credit Card Pros and Cons:

The Good	The Bad
No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel assistance insurance Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Williams Sonoma Visa Credit Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Higher than average purchase APRs. Charges a foreign transaction fee of 3%. Charges a 5% balance transfer fee.

Is there a Williams Sonoma Visa Credit Card cash back or rewards program?

Williams Sonoma Visa Credit Card offers a rewards program to its customers.

Williams Sonoma Visa Credit Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	5%
Annual rewards limit	N/A
Signup Bonus ($)	$20
Annual Loyalty Bonus	$25

What are the Williams Sonoma Visa Credit Card benefits?

Williams Sonoma Visa Credit Card provides the following benefits:

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

What are the relevant APRs for Williams Sonoma Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Williams Sonoma Visa Credit Card has higher than average purchase APRs.

Williams Sonoma Visa Credit Card has a variable purchase APR that ranges from 18.24% up to 25.24%. The card has a variable balance transfer APR starting at 27.24% . It also has a variable cash advance APR starting at 27.24% .

What are the fees for Williams Sonoma Visa Credit Card?

The following fees apply to Williams Sonoma Visa Credit Card:

Williams Sonoma Visa Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$38
Late Payment Fee	$38

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

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 can help improve your credit score.

How to apply for Williams Sonoma Visa Credit Card

• Visit the Williams Sonoma Visa 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.