Review of the Williams-Sonoma Visa Signature® Card

Brendan Harkness

Brendan Harkness | Reviews

Aug 01, 2014 | Updated Apr 14, 2016

The Williams-Sonoma Visa Signature® card is a good choice for chefs who love cooking with the best cookware and utensils. The Williams-Sonoma store stocks professional-level cooking supplies, and the card provides a number of discounts and incentives to make shopping there even better. This is a card that can be used anywhere Visa is accepted, making it better than the average retail store card.

Williams-Sonoma Visa® Signature® Card

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 13.99%, 17.99% or 21.99% *Variable
Quick Card Facts
  • Earn 3 points for every $1 spent at Williams-Sonoma
  • Earn 1 point for every $1 spent on all other purchases
  • 2,500 bonus points for making your first purchase

The Rewards

The rewards for this card are straightforward.

3 reward points are granted for every $1 spent at Williams-Sonoma stores, and 1 point is awarded for all other purchases. 2,500 bonus points are awarded after your first purchase, quite a generous offer as most cards require the cardholder to spend several hundred dollars for a reward like this. Those 2,500 points can be redeemed for a $25 gift card to Williams-Sonoma.

As an additional bonus, bridal registrants can earn points on the gifts that others are purchasing for them. Every purchase from their bridal registry will earn the cardholder 3 points per dollar.

Points can be redeemed for statement credits towards Williams-Sonoma purchases, as well as for unique Culinary Adventures and Cookbook Club Cooking Classes at the store.

The Benefits

Several benefits are provided from Williams-Sonoma, as well as a whole suite from Visa Signature.

Every time you spend $2,500 with the card, you’ll receive a coupon for 10% off your next purchase from Williams-Sonoma. Up to 4 such coupons can be earned per billing cycle. Special offers and discounts days are also offered throughout the year.

Eligible purchases from Williams-Sonoma.com are granted free shipping; this does not extend to oversized items or any purchase that requires special handling, purchases made through the Williams-Sonoma Wine Program, purchases of eGift Cards, and returned items.

Cardholders also get access to a number of benefits provided by Visa Signature. These include a personalized concierge service, which provides advice while traveling, can help with finding dining reservations, and can assist with the vacation-planning process, among other services. Benefits like purchase protection, zero-liability for fraudulent purchases, and emergency travel assistance and insurance are available as well.

The Costs & Fees

Annual Fee Regular Purchase APR Regular Balance Transfer APR Cash Advance APR Foreign Transaction Fee
$0 13.99%, 17.99% or 21.99% *Variable 13.99%, 17.99% or 21.99% *Variable 25.49% *Variable 3%
Penalty APR Late Fee Returned Payment Fee
See Terms Up to $37 Up to $37

The Bottom Line

This is a great store card for anyone who loves cooking. The 3 points for Williams-Sonoma purchases is expected for a store card, but the ability to get 1 point for all other purchases makes this a card to consider seriously. If you’re a heavy spender you’ll get even more out of the points, and will also be able to earn several 10% off coupons.

The extra benefits will help cardholders save even more on cookware, especially the free shipping, which can end up saving a lot of money over time. The shopping and travel benefits from Visa Signature will always be useful, and are a great bonus for this card. All of these features, combined with a fairly low APR, make the Williams-Sonoma Visa Signature a worthy store credit card.

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