Guide 1

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¹New cardmembers earn 10% back in rewards for Net Eligible purchases made at Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, and Mark & Graham (excludes Rejuvenation and GreenRow) during the first 30 days from account opening, 5% thereafter. Some approved customers will not be eligible to make same-day purchases, for example, if they do not timely complete any required authentication process and/or their applications present fraud concerns. Customers who are not eligible for a virtual card will not be able to make a purchase until their card arrives in the mail.

²Visa cardmembers earn 4% back in rewards on Net Eligible purchases made at grocery stores, food delivery services, and restaurants, excluding fast food. 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.

³Visa cardmembers earn 1% back in rewards on Net Eligible purchases made anywhere Visa is accepted. 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.

⁴Free 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.

⁵Promotional 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 5% of advance amount or $5; 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.

⁶$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.

Visa is a registered trademark of Visa International Service Association.