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Williams Sonoma Visa Credit Card

in Personal Credit Cards

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Williams Sonoma Visa Credit Card

Unaffiliated

in Personal Credit Cards

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Overview

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 17.99% APR to 24.99% APR, which is low for a store loyalty card. 

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 5 points for every dollar spent at Williams-Sonoma stores, 2 points for every dollar spent on dining and 1 point for all other purchases. Every time you earn $25 in rewards, you will receive a $25 certificate that can be used at Williams Sonoma.

What about the Signup Bonus?

Williams-Sonoma offers a $20 welcome certificate, which will be mailed after you receive your card.

Any Other Benefits?

Williams-Sonoma Visa Signature® Cards gives cardholders 20% off on the day they open the card and a $25 certificate during their birth month. Cardholders also get free standard shipping at williams-sonoma.com.  

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. Plus, you get free shipping. So, the card may be worth having if you love Williams-Sonoma.

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Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period / Deferred Interest (Months)
23
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$38
Returned Payment Fee
$38
Minimum Interest Charge
$2
Foreign Currency Transaction Fee
3%
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Credit Score Range
640 - 850
850 300 640
Customer Type
Personal
Card Type
  • Bonus Offers
  • Rewards
  • Store Card
Card Network
  • Visa
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Travel Assistance
Rewards Categories
  • Every Purchase
  • Restaurants
Signup Bonus
$20
Annual Loyalty Bonus
$25
Purchases APR
17.99% - 24.99%
0% 29%
Balance Computation
daily balance
Balance Transfer APR
Starting at
26.99%
Transfer Fee
5%
Transfer Fee Minimum
$10
Transfer Fee
5%

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