Williams Sonoma Visa Credit Card Review

Williams Sonoma Visa Credit Card is a store rewards credit card issued by Comenity. 

Fair credit. This card is designed for people with fair credit. The minimum credit score to apply is 640.

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.

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.

This card features rewards for purchases in the following categories:

• Every Purchase
• Restaurants
• Retail

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
• Fraud Liability
• Travel Assistance
• ID Theft Protection
• Reports to major credit bureaus

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

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 Williams Sonoma Visa Credit Card fees?

No Annual Fee. Williams Sonoma Visa Credit Card does not charge an annual fee.

3% Foreign transaction fees. Williams Sonoma Visa Credit Card charges a foreign transaction fee of 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 a foreign transaction fee.

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%
Balance Transfer Fee	5%
Minimum Balance Transfer Fee	$10
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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Williams Sonoma Visa Credit Card

• Visit the Comenity website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.