Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Top picks for Williams-Sonoma from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Williams-Sonoma, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Palladium Card earns the top spot for Williams-Sonoma purchases at 4.4¢ per dollar on all other — a $495 annual fee. We ranked every card in our database against Williams-Sonoma purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Cardless
Capital One
Bank Of America
Bilt Palladium Card earns 4.4¢ per dollar on all other when you shop at Williams-Sonoma, the highest marginal rate in our list for this brand. At 4.4¢ per dollar, rewards cover the $495 fee after about $11,250 a year in Williams-Sonoma spending. To come out ahead of Susan G. Komen® Customized Cash Rewards (3.0¢), you'd need about $35,360 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Side-by-side view of the ranked picks.
| Card | Online Shopping Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $200 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Susan G. Komen® Customized Cash RewardsBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Choice Privileges Select MastercardWells Fargo | 5x Choice Privileges | 3.0¢/$ | $95 | $15 | mastercard |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Bank of America® Customized Cash Rewards for StudentsBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
| Bank of America® Customized Cash Rewards SecuredBank Of America | 3% cash back | 3.0¢/$ | $0 | — | visa |
Other brands in Home & Garden where the top picks above also earn well.
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