Williams Sonoma Key Rewards® Visa No annual fee That's $0. 4 Key Rewards Visa: Purchase APR: 29.24% variable APR; Balance Transfer APR: 29.24% variable APR; Cash Advance APR: 29.24% variable APR. Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater; Annual Fee: $0; Balance Transfer Fee: 3% transfer fee on the amount of each transfer balance that posts to your account at a Promotional APR that we may offer you.. Subject to credit approval; based on your creditworthiness, some options may not be available and other terms may apply.