Is the Williams Sonoma Credit Card Discount Worth It?

This offer is no longer available. The information below is for reference only.

With most store credit cards, you earn gift cards or certificates to spend at the given store.

On the other hand, with the Williams Sonoma Visa you earn both gift cards AND coupons.

For every 2,500 points you get a $25 gift card. In addition to that (not in place of it) you get a 10% off coupon for every $2,500 spent on your Williams Sonoma credit card account.

To top it all off, you get free shipping for online orders, as well as Visa Signature card benefits (which includes concierge, automatic extended warranty coverage on eligible purchases, and various travel insurance coverages).
Now all that may sound great – and it is – but that doesn’t necessarily mean this card will be the most rewarding for you. Here’s why…

The 3x points at Williams Sonoma stores + website is basically the equivalent of 3% cash back. That’s good, but the fact is that the vast majority of your spending is probably elsewhere – and that will only be earning you 1% (1 point per dollar).

Here’s an example:

  • You spend $1,500 per month on your credit card.
  • Of that amount, $200 is spent at Williams Sonoma.

That averages out to only be about 1.27% rewards.

Obviously that’s better than your plain vanilla 1% cash back credit card, but you can probably do better by choosing a card that rewards you on categories you spend more money in (like gas and grocery) or one that gives you higher cash back on non-category purchases.

That leaves us with the other two benefits – free shipping and 10% discount coupons. Are those reason enough to apply for the card?

When it comes to free shipping, I find you can often find coupon codes yourself (separate from the credit card) that give you free S&H when you spend a minimum amount.

For example as I write this review, smack dab on the top of the Williams Sonoma website is a code for this that is being offered to everyone:

S&H promo on top of website

When it comes to the 10% coupons, those actually can be useful if you use them in-store.

Think about it… if you use the coupon on a $250 purchase, that’s a $25 savings. That’s like getting an extra 1% rewards from your spending (since you already earned a $25 gift card for spending $2,500 in the first place).

However for online shopping, there are a plethora of discount codes you should be able to find on your own.

Who should – and shouldn’t – get it?

If you’re someone who seriously spends a lot – and on a regular basis – at their stores, then the 3x points is worth it. But for your shopping elsewhere, you’ll want to use something different.

If you’re someone with a sketchy credit history, you might not get approved for the credit card from Williams Sonoma. Customer service says the credit score requirements for it are “excellent” so if that’s not you, I would advise against the application because you’ll probably be denied (and then that will be a wasted credit inquiry added to your report).

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

thank you for the increase advice