CardflareThe Key Rewards Visa
Capital One
Key facts
- Annual fee$0
- RewardsCash back
- Everything else earns1% back
- Minimum credit scoreNot stated
The issuer states no minimum credit score for this card.
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Groceries | 4% back | No cap stated |
| Dining | 4% back | No cap stated |
| Everything else | 1% back | No cap stated |
At specific merchants
- 5% back at Pottery Barn, Williams Sonoma, West Elm, Rejuvenation and other participating brands (10% for the first 30 days, then 5%)
Signup bonus
The catalog records no public signup bonus for this card.
Credits and benefits
The credits the catalog models as fee offsets. Not a complete list of every perk.
- $25 a year at Williams-Sonoma, Inc. brands — $25 Birthday rewards certificate each birthday month in the Williams-Sonoma, Inc. account; account must be open and current with email and U.S. mailing address on file
Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Capital One; the card name is its owner's trademark.