Williams Sonoma Visa Credit Card
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| Community Rating | Strongly not recommended |
| Purchase APR (Variable APR) | 16.74% - 23.74% |
| Balance Transfer APR (Variable APR) | 26.99% |
| Credit Score Range | 640 - 850 |
| Annual Fee | $0 |
| Number of Reviews | 18 |
Williams Sonoma Visa Credit Card Review
This is a store cashback card issued by Comenity Bank. If you're wondering whether Williams Sonoma credit card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a maximum cashback rewards rate of up to 5x.
- Signup bonus. Offers a signup bonus of up to $20.
- Competitive APRs. Williams Sonoma Visa Credit Card has a variable purchase APR that ranges from 16.74% up to 23.74%.
- 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.
- 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 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, identity theft protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of Williams Sonoma credit card
| The Good | The Bad |
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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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.
What are the Williams Sonoma credit card benefits?
It provides the following benefits:
- 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 is 15% for all credit cards and 17% for accounts that carry a balance.Williams Sonoma Visa Credit Card has a variable purchase APR that ranges from 16.74% up to 23.74%. The card has a variable balance transfer APR of 26.99% . 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?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
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 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 Williams Sonoma credit card customer service number is (877) 812-6235.
What is the support contact email for Williams Sonoma credit card?
The support contact email for Williams Sonoma credit card is webmaster@comenity.net.
What is the Williams Sonoma credit card login page?
You can access the Williams Sonoma credit card login page 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 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 may help improve your credit.
How to apply for Williams Sonoma credit card
- Visit the Williams Sonoma 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Message From Williams Sonoma credit card
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 USA - (877) 812-6235
- Visit Site
- Email Support
Other Services by Comenity Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $2 |
| Returned Payment Fee | Up to $40 |
| Late Fee Amount | Up to $40 |
Williams Sonoma Visa Credit Card Community Reviews
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