The Key Rewards Visa
- Annual Fee
- $0
- Highest rate (not cash)
- 5% in Williams Sonoma family of brands certificate value
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Williams Sonoma family of brands reward certificates (not cash)
- Credit Required
- Good to Excellent
Earning Rates
- 5%
Mark And Graham
5% back at Mark and Graham in Gold Key reward certificates on eligible US/Puerto Rico purchases after the first 30 days; the new-account introductory rate is not included.
- 5%
Pottery Barn
5% back at Pottery Barn in Gold Key reward certificates on eligible US/Puerto Rico purchases after the first 30 days; the new-account introductory rate is not included.
- 5%
West Elm
5% back at West Elm in Gold Key reward certificates on eligible US/Puerto Rico purchases after the first 30 days; the new-account introductory rate is not included.
- 5%
Williams Sonoma
5% back at Williams Sonoma in Gold Key reward certificates on eligible US/Puerto Rico purchases after the first 30 days; the new-account introductory rate is not included.
- 4%
Dining
4% in Gold Key reward certificates on eligible restaurant and food-delivery purchases; fast-food eligibility remains unclear in official materials.
- 4%
Grocery Stores
4% in Gold Key reward certificates at eligible grocery stores. Groceries at gas stations, convenience stores, warehouse clubs, discount stores, superstores and their associated grocery stores earn 1%; merchant coding controls eligibility.
- 1%
All Other
1% back in rewards on Net Eligible purchases anywhere Visa is accepted
Benefits & Perks
Insurance & Protections
2 protections24/7 worldwide travel and emergency assistance
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
24/7 roadside dispatch assistance (pay-per-use)
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Dining Out
4x at restaurants
Williams Sonoma, Inc. Brands
400 points on a $100 dinner. We don't put a dollar value on this currency yet.
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 4x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Details & Terms
Payment Terms
| Purchase APR | 29.24% (Variable) |
| Cash Advance APR | 29.24% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Reward currency | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
