Capital One Pottery Barn Key Rewards Visa
No annual fee · $25/yr in printed statement credits · 1% on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Groceries | 4% | uncapped |
| Everything else | 1% | uncapped |
See how it ranks: best groceries cards.
Statement credits — $25/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Birthday reward | $25/year | annual |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Free standard shipping at Williams Sonoma when paying directly with this card
- Optional 12-month 0% promotional financing on qualifying $750+ purchases (forfeits rewards on that purchase; 29.24% variable APR applies to any balance remaining after 12 months)
- Early access to sales and events
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Capital One
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.capitalone.com · www.capitalone.com. Spot an error? Tell us.