Capital One West Elm Key Rewards Visa
No annual fee · $25/yr in printed statement credits · 1% on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Groceries | 4% | uncapped |
| Everything else | 1% | uncapped |
See how it ranks: best groceries cards.
Statement credits — $25/yr on paper · how we got this
| 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? · how we got this
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.