Williams Sonoma Visa Credit Card Personal Credit Cards on SuperMoney

Features

Who is the Williams-Sonoma Visa Signature® Card Designed For?

The Williams-Sonoma Visa Signature® credit card is designed for people with good credit who shop at Williams-Sonoma and want a rewards card that doesn't charge an annual fee. It is a particularly good fit for people who are planning to make large purchases at Williams-Sonoma and want to benefit from the introductory APR.

Williams-Sonoma is a retailer of high-quality home furnishings and gourmet cookware with over 250 stores in the United States.

What are the Rates?

The rates range from 16.99% APR to 23.99% APR, which is low for a store loyalty card. There is also a six-month 0% APR introductory rate for purchases over $250, but it only applies to purchases of over $250 made before a certain date.

What Are the Fees?

As with most store cards, there's no annual fee to worry about. However, it does include a $5 or 3% (whichever is greater) balance transfer fee, a $10 or 5% cash advance fee, and a 3% foreign transaction fee.

What Is the Rewards Program Like?

Williams Sonoma Visa credit card gives members 3 points for every dollar spent at Williams-Sonoma stores and 1 point per dollar on all other purchases. As with most store reward programs, every point is the equivalent of 1 cent. So 10,000 points can be redeemed for a $100 gift certificate. However, you can also redeem your points for other rewards, such as vacations, cooking classes and wine tours. There is a special reward rate on $250 gift cards, which only require 22,500 points.

What about the Signup Bonus?

Williams-Sonoma stands out from the crowd of store cards by offering a 2,500-point signup bonus after cardholders make their first purchase. The points can be redeemed for a $25 gift certificate.

Any Other Benefits?

Williams-Sonoma Visa Signature® Cards gives cardholders free online shipping on store purchases. It also rewards shoppers with 10%-off coupons at Williams-Sonoma for every $2,500 they spend.

How Is It Better Than Other Credit Cards?

The Williams-Sonoma Visa card is one of the few store cards that offers a signup bonus and generous reward rates without charging an annual fee. However, just the free shipping and discount coupons make this card worth having even if you only shop occasionally at avid Williams-Sonoma.

Credit Score Range

640 - 850
Employment Statuses Considered
- Employed Full-Time
- Employed Part-Time
- Other
- Retired
- Self-Employed
- Unemployed
Immigration Status Considered
- U.S. Citizen
- U.S. Permanent Resident
Military Status
- Active Duty Military
- Military Dependent
- Non-Military
- Veterans
Minimum Age

18
Supported Income Types
- 1099 Misc. Income
- Cash / Other
- Direct Deposit (W2, SSA, SSDI)
- Payroll Check or Prepaid Card
Customer Type

Personal

Minimum Interest Charge

$2
Foreign Currency Transaction Fee

3%
No Annual Fee

Card Type
- Cash Back
- Rewards
- Zero Percent
Card Network

Visa

All Other Purchases

1% back for each $1 of net new purchases
Every Purchase

5% back for each $1 spent at Williams Sonoma, 2% back for each $1 spent at dining
Rewards Categories
- Every Purchase
- Restaurants
Signup Bonus

$20

Purchases APR (variable)

16.99% - 23.99%

Transfer Fee

5%
Balance Transfer APR (variable)

Starting at 25.99%

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