The Key Rewards Visa
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The The Key Rewards Visa from Capital One earns up to 4% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 4%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 4x points.
What does the The Key Rewards Visa earn in each category?
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how The Key Rewards Visa compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee.
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how The Key Rewards Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 4x points | 4% Top category |
| Grocery Supermarkets and grocery stores | 4x points | 4% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Williams Sonoma, Inc. Brands at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the The Key Rewards Visa reward caps and conditions?
The The Key Rewards Visa has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 4% back at restaurants (excludes fast food)
- 4% back at grocery stores
Who should get the The Key Rewards Visa?
The The Key Rewards Visa fits spenders who put meaningful volume in dining and can earn 4x points. Best for spenders who put meaningful volume in dining and can earn 4x points.
The Key Rewards Visa fits spenders who put meaningful volume in dining and can earn 4x points. Madeen ranks its dining effective rate higher than about 92% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 4x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 4% effective (4x points).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Williams Sonoma, Inc. Brands value depends on how you redeem, not straight cash back.
Does the The Key Rewards Visa have an annual fee?
The The Key Rewards Visa has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the The Key Rewards Visa?
The The Key Rewards Visa includes $25 birthday reward, 10% back in rewards, 12-month promotional financing in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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$25 birthday reward
$25/yrsent to your email.
10% back in rewards
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12-month promotional financing
$25/yron purchases of $750 or more.
Free standard shipping
$25/yrat Williams Sonoma.
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Common questions about the The Key Rewards Visa
Where do cardholders spend most with the The Key Rewards Visa?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (4x), fast food (4x), groceries (4x) for the The Key Rewards Visa. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the The Key Rewards Visa have an annual fee?
The The Key Rewards Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the The Key Rewards Visa?
Dining is the strongest Madeen category for the The Key Rewards Visa at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the The Key Rewards Visa charge foreign transaction fees?
The The Key Rewards Visa does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the The Key Rewards Visa?
Madeen's catalog lists a typical credit range of Good to Excellent for the The Key Rewards Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the The Key Rewards Visa?
Rewards on the The Key Rewards Visa post as Williams Sonoma, Inc. Brands. Redemption value depends on how you use Williams Sonoma, Inc. Brands (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the The Key Rewards Visa compare to similar cards?
Compare the The Key Rewards Visa against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); West Elm Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
The Key Rewards Visa This card | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure