Reward Structure of new Williams Sonoma card

[Anonymous]

I just received my new Cap1 Wiliams Sonoma Visa. It was a visa before the comenity-->capital one switch, so nothing new there. CL still $1000 despite my best efforts with Comenity. However, i noted a new reward structure (see pic). If you are looking for a good restaurant/take out (but not fast food!) card, this is offering 4% back (it used to be 2%). And 5% cash back on WS purchases (and west elm etc..). Still trying to figure out if I will get these same rewards from the store versions of the PB and west elm cards i have, that have larger CLs, like will I get 5% back using my west elm card at west elm, or do i have to use my WS card??

I just thought I'd share this new reward structure, which looks far better than what was offered previously on this card (and may give Savor a run for its money)

[batsy71]

4% on groceries is kind of a big deal. only citi custom cash with 5% cash back but with a quarterly max spending limit would beat it in some scenarios. What does the asterisk at the end of the 4% on groceries sentence say? Are there any annual/quarterly spending limits to the 4% on groceries?

[KJinNC]

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@batsy71 wrote:

4% on groceries is kind of a big deal. only citi custom cash with 5% cash back but with a quarterly max spending limit would beat it in some scenarios. What does the asterisk at the end of the 4% on groceries sentence say? Are there any annual/quarterly spending limits to the 4% on groceries?

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Amex Blue Cash Preferred is 6%, but it has an annual fee. Amex Gold is 4MRs/dollar, which may or may not be better than 4% depending how you use them, but again, it has an annual fee. Amex Blue Cash Everyday is 3%. So yes, this is an interesting option.

[longtimelurker]

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@KJinNC wrote:

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@batsy71 wrote:

4% on groceries is kind of a big deal. only citi custom cash with 5% cash back but with a quarterly max spending limit would beat it in some scenarios. What does the asterisk at the end of the 4% on groceries sentence say? Are there any annual/quarterly spending limits to the 4% on groceries?

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Amex Blue Cash Preferred is 6%, but it has an annual fee. Amex Gold is 4MRs/dollar, which may or may not be better than 4% depending how you use them, but again, it has an annual fee. Amex Blue Cash Everyday is 3%. So yes, this is an interesting option.

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Certainly seems interesting, a little like the Verizon card, unusually good rewards outside of the co-brand.  So, now I wonder if it is more like that!   "Earn and redeem rewards across our seven brands"   Could rewards not be pure cash back

[Anonymous]

@batsy71 you can't use the grocery 4% for places like Costco and Walmart, nor at gas stations that sell food. 

[Anonymous]

@longtimelurker rewards are divvied out in $25 increments (you can't cash in $10 for example) and seem to be offered after a vesting period of 30 days. 
 also: you don't get cash back, you get rewards dollars, "certificates" for use in Williams Sonoma stores. Not sure how it works if I can earn rewards across all 7 brands but can only get certificates to shop at one brand? 

i think this severely limits the interest in using this card for "cash back" lol

@batsy71 No caps on the rewards that I can see

[KJinNC]

Maybe you can use WS gift cards at related brands or stores?

This does reduce the card's appeal, unless you are a dedicated WS shopper (or a dedicated shopper of one of the other brands, if you can use the rewards on those as well).

I'd say not worth getting unless you fit that description.