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*EARN REWARDS

GOLD REWARDS: Rewards earnings are subject to the Key Gold Rewards Terms and Credit Card Terms in Customer Agreement.

5% BACK: Cardholders Earn 5% in Reward Dollars for each $1.00 of Net Eligible Purchases made on your Card at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, and Mark & Graham stores, catalogs, or online (collectively referred to as "Williams Sonoma Stores").

4% BACK / 1% BACK: 4% back in rewards on Net Eligible purchases made at grocery stores. You will also earn 4% back in rewards on purchases made at restaurants, excluding fast food restaurants, but including food delivery services. Grocery purchases made at gas stations, convenience stores, warehouse clubs, discount stores, and super stores (or at grocery stores associated with discount or super stores) and purchases made at fast food restaurants will earn 1% back in rewards. Earnings will be applied based on the merchant category code used by the merchant who reports a transaction. Merchants determine their merchant category code with their acquirer, which could impact the qualified rewards earn. Williams-Sonoma, Inc. and Capital One are not responsible for merchant category codes used by merchants.

SILVER REWARDS: You must provide your registered Key phone number at checkout, both online and in store, to earn Silver rewards. Silver rewards are earned once an item is purchased in store or is shipped and billed. Purchases made with a Private Label Credit Card or Co-Branded Credit Card (such as your west elm, Pottery Barn, or Williams Sonoma Key Rewards Visa) are not eligible for Silver rewards. Williams Sonoma Wine Club purchases are not eligible for rewards. Rejuvenation and GreenRow are not included in The Key Rewards at this time. You may apply your Rewards toward promotions and sale items. Rewards cannot be redeemed for cash. The point expiration period is 24 months for The Key. Other exclusions and limitations apply. For complete Terms & Conditions, see thekeyrewards.com/tc/

DOUBLE REWARDS: New customers earn an additional 5% back in Reward Dollars for purchases made at Williams-Sonoma, Inc, Brands during the first 30 days from account opening.

**EXCLUSIVE BENEFITS

PROMOTIONAL FINANCING: Promotional financing available on qualifying purchases of $750 or more, excluding shipping and tax, made on an approved Pottery Barn Key Rewards, Williams Sonoma Key Rewards, West Elm Key Rewards or The Key Rewards Visa or Store Card, issued by Capital One, N.A. Your account must be open and current to be eligible for this offer. For eligible purchases, the purchase amount is divided into 12 equal monthly payments and will be assessed a 0% APR effective for 12 months or until the purchase is paid in full. This special equal payment term will be added to your normal minimum payment due on non-promotional Credit Plans. If you do not make the equal payments under the program and the purchase is not paid in full after 12 months, the standard variable purchase APR of 30.24-31.24% will apply to your remaining program balance. The advertised monthly payment amount is rounded to the nearest dollar, and does not include taxes, shipping or ancillary charges. Promotional financing availability may be limited in certain stores. Rewards are not earned on promotional financing purchases. Purchases made through third-party payment accounts, mobile or wireless card readers, mobile or digital wallets or similar technology are not eligible to receive promotional financing.

Key Rewards Visa: Purchase APR: 30.24% variable; Balance Transfer APR: 30.24% variable; Cash Advance APR: 30.24% variable. Annual Fee: $0; Cash Advance Fee: greater of 3% of advance amount or $3; Balance Transfer Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. Key Rewards Card: Purchase APR: 31.24% variable. Annual Fee: $0. Variable APRs as of 9/25/23. Subject to credit approval; based on your creditworthiness, some options may not be available and other terms may apply.

BIRTHDAY REWARDS: $25 Birthday rewards certificate will be issued during your birthday month and delivered via email. To be eligible, you must make a purchase in the previous 12 months starting 1 month(s) prior to your birthday. You must have a valid email address and U.S. mailing address on file. New accounts opened during your birthday month or previous month will receive birthday reward beginning the following calendar year. Account must be open and current.

FREE SHIPPING: Free standard shipping within the contiguous 48 states on eligible purchases in-store or online at Williams Sonoma using a Pottery Barn Key Rewards, Williams Sonoma Key Rewards, West Elm Key Rewards or The Key Rewards Visa or Store Card.