West Elm Store Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The West Elm Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchasesHigh rewards rate10% back in rewards initial rewards bonusHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
West Elm Store Card has a rating of 4.0/5 according to our proprietary credit card rating system. This rating reflects how appealing West Elm Store Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases (Store Cards)'. To break it down further, West Elm Store Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 4.0/5 for Cost, 4.4/5 for APR, and 2.6/5 for User Reviews. Info about the West Elm Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
2.6/5
53 reviewsRead and write reviews
Editor’s Review
4.1/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases (Store Cards)” for this card.
Fees
5.0
Rewards
0.0
Cost
4.0
APR
4.4
4.1/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 12 months, 31.24% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Earn 10% back for the first 30 days when you use your card at West Elm or at any of the seven family brands.
5% back in rewards online and in stores across the seven family brands.
For every $10 of Rewards you earn, you will receive a $10 Rewards Certificate following a 30-day vesting period.
Celebrate with a $25 birthday reward sent annually to your email when you shop with your Card.
Free standard shipping on eligible purchases in-store or online.
West Elm Store Card's Additional Info
Info about the card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Choose between 5% back in rewards or 12 Month optional promotional financing on purchases of $750 or more.
Nice, yet unimpressive bonuses. You will receive 10% back for the first 30 days when you use your card at West Elm or at any of the seven family brands after being approved for the West Elm Store Card, as well as $25 in additional credit each year on your birthday. That’s obviously nothing to scoff at, but it does bear noting that you can get more upfront from other store credit cards.
Excellent ongoing rewards…if you choose wisely. The West Elm Store Card gives you a choice: 0% interest for 12 months on a purchase of $750+ or 5% “cash” back on every purchase. This should be a no-brainer. You can get 0% for at least 12 months from literally hundreds of other credit cards, according to WalletHub’s database, but that is not the case with rewards equal to 5% of what you spend. Besides, the West Elm Card’s 0% intro rate isn’t nearly as attractive as it might seem.
Fair-credit requirement. The West Elm Store Card is available to applicants with fair credit or better, which means it’s relatively easy to get. Nevertheless, it’s still a good idea to check your credit score for free on WalletHub before submitting an application.
No annual fee. Without an annual fee to worry about, you won’t feel pressured to shop at West Elm more than you would otherwise. The lack of an annual fee also makes the West Elm Store Card about $22.29 per year cheaper than the average credit card.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.1
User Reviews
2.6
Market Comparison
4.1
fees: 5.0
rewards: 0.0
cost: 4.0
APR: 4.4
4.8WalletHub Rating
WalletHub Rating
4.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.4
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.3
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
Other Features: 4.5
(53)
(74)
(1,263)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 12 months
Purchase Intro APR0% for 15 months
Purchase Intro APRNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about West Elm Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can get approved for the West Elm Store Card instantly if you apply online. In case you didn't receive a decision immediately, the issuer might need some time to verify your information. This shouldn't take more than 7-10 business days.
Fair credit score is needed for the West Elm Credit Card. But other information, such as your income or any existing debts you might have will also be taken into consideration when looking at your application.
Even though pre-qualifying isn't available, you could receive a pre-approved offer in the mail. Unfortunately, neither would guarantee your approval, anyway. Your only option is to go ahead and apply for the West Elm Credit Card, but make sure...
The starting credit limit for the West Elm Store Card is $500 or more. Everyone who gets approved for West Elm Store Card is guaranteed a credit limit of at least $500, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.
The West Elm Store Card credit limit that you start with isn't necessarily your credit line forever. You can ask...
Share your insights and review for the West Elm Store Card
5
15%
4
23%
3
13%
2
8%
1
42%
2.6
53 reviews
53 reviews
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genenazarov @genenazarov
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1 Star Rating
Warning! WEST ELM does NOT make it clear that the rewards that you earned will expire few months after obtaining them! That's exactly what happened to me. They do not help you revive it either.
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iceaxe5 @iceaxe5
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1 Star Rating
To be ? blunt, there is no “0% APR”. Do not sign up for this card, as they do not actually honor their 0% APR claim- rather, you will face very high interest rates and so called “rewards”. If you have an existing credit card, recommend you use that instead. This was an impressive scam.
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Josh Jones @Cardwiz22
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5 Star Rating
Since Williams Sonoma Inc transitioned their credit card program to Capital One the card benefits have greatly improved. Especially the new 12 Months Zero Percent Interest option. It’s no longer the deferred interest model. You have 12 months of zero percent and on month 13 if there is anything left that’s when you pay an Apr charge. The Capital One app is easy to use. And you can use your west elm card at Pottery Barn and Williams Sonoma now as well!
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Lucia Wessels @lucyhasie
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1 Star Rating
Beware of west elm Credit Card. No interest in the first 12 months but what they don’t tell you is that on the 11th month if you haven’t paid up they add one whole year's interest to the amount that’s still outstanding. Go with your own credit card where you know there are no trick interest costs
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Josh Jones @Cardwiz22
That is no longer the case now that they are with Capital One. Capital One has a 12 Months Zero Percent plan. On month 13 if there is a balance left over - you will pay an APR rate on whatever the remaining balance is.
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alex_brandenfels @alex_brandenfels
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1 Star Rating
Rewards "dollars" are not really worth a dollar. They are worth 10 cents. That means that their "10%" back is actually just 1% back, *in store credit, which has a fast expiration date*. You are better off making a purchase with any normal credit card that offers 1%+ in real money back.
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Elle @Elle29
Rewards are 10%... For every 250 points you earn $25 - that's definetly 10% not 1%. Rewards expire after 180 days.... That's not that fast. I've seen worse with other store cards.
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mimra90 @mimra90
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1 Star Rating
Never received any welcome credits. Additionally, I made a big purchase, paid it off in a couple of weeks so that I can use my card again for another big purchase, got a confirmation email two days!!! later stating payment went through and then three weeks later (when tried using my card again, and it declined) found out that payment actually did not go through!! Beware!! NOT ONE single person contacted me saying that payment did not get through, they waited until I was late, hit me with a late payment fee and claimed that it was MY BANK that returned the payment!!! Well, after that I paid it off again using that same bank information and for some strange reason this time it wasn't, payment wasn't returned. I ended up closing the card. Not worth my time.
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esin_eskinat @esin_eskinat
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1 Star Rating
Reward dollars are really hard to use. It took me days ro figure out. And BEWARE! They do that trick placing your last payment date of the financed amount 1 week before the due date. My financing due was 13th, card due was 19. My eyes did not differentiate as everthing was in autopay and i was hit with a finance charge of 200 dollars. If i knew, i would make the purchase with my own credit card and pay much less interest. Never trust these cards and finish your payments in 11 months because thats what they mean when they mean 12 month financing.
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Lucia Wessels @lucyhasie
Absolutely agree! Beware of those incurred costs on the 11 th month. Same thing happened to me!
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Chaim Deutsch @cdeutsch12
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1 Star Rating
I never received my $50 welcome rewards, When i called they told me it wasn't shipped yet, a week late i called back they told it already expired. never received my birthday 25$ rewards, not in the mail not in email not on my online account not in my paperless statement, I kept on calling till they told me it already expired...
speaking on the phone with a representative I was notified that i have more rewards that are about to expire.. this wasn't on my statement.
your being transferred between the credit card company and west elm. sound like a professional set up scam.
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fitzcasa4 @fitzcasa4
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1 Star Rating
Never received my $50 Sign Up reward. They said it is mailed on with first statement which I never received. They said oh well, there is nothing they can do about it. Would not reissue a new reward certificate. Awful customer service!!
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darsinicole @darsinicole
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1 Star Rating
They never actually send you your rewards. I spent 2.5 hours being transferred between the credit card company and west elm, speaking with 5 different people (including a superviser) who eventually gave me a false email address to contact regarding my 100$ rewards that never came. They have the policy of “oh well, if it’s lost or stolen there’s nothing we can do about it”. I will not only be canceling my credit card but I will never be shopping at west elm again and I’ll alert all friends with this credit card of their disgusting actions.
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