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)
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Balance Transfer APR (Variable APR)
29.74%(Verified 06/21/2024)
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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
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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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
What is the login page for Williams Sonoma credit card?
You can access the login page of Williams Sonoma credit card here.
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.
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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