Pottery Barn Credit Card Review 2022: Discounts for Cardholders
Written by
Scott Jeffries
Edited by
Amber Barkley
Commitment to Our Readers
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20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
GOBankingRates Score
-
Rewards
4.8
-
Versatility of Use
4.5
-
Online Setup
4.2
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Cost
4.5
Pros
- Offers birthday rewards
- Free standard shipping on select purchases
- Welcome bonus
- $0 annual fee
- Promotional financing available on select purchases
Cons
- Rewards expire after 24 months of inactivity
- High APR
Overview of Pottery Barn Credit Card
Here’s a detailed look at the highlighting features of Pottery Barn’s credit card.
Rewards
The Pottery Barn credit card comes in two variants: Key Rewards Card and Visa. All cardmembers receive 5% in cash-back rewards on online and in-store purchases across Pottery Barn’s seven brands, including Williams Sonoma, Williams Sonoma Home, Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm and Mark & Graham.
As an alternative to cash-back rewards, all cardmembers can choose 12-month 0% APR financing on qualifying purchases of $750 or more.
Meanwhile, Visa cardmembers earn 4% in rewards at grocery stores and restaurants, excluding fast food. They also get 1% rewards on everything else.
When you use your Pottery Barn Key Rewards Card at any of the seven brands for the first 30 days after getting your card, you’ll receive 10% cash back. Additionally, Pottery Barn gives $25 as a birthday reward each year to all its active cardmembers, whether Key Rewards Card or Visa.
Versatility of Use
You can use the Pottery Barn Key Rewards Card at the seven brands under the company. Cardmembers also enjoy free standard shipping on Williams Sonoma purchases.
Meanwhile, Visa cardmembers can use their card anywhere Visa is accepted in addition to at Pottery Barn brands. Visa cardmembers also earn rewards by using their card at restaurants and grocery stores. Although this is an attractive offer, it does not extend to fast food chains.
Online Setup
Applying for the Pottery Barn credit card is simple. Go to the website and sign up with your email address, then you will be able to select the card you wish. Choose “Continue to My Application” to begin the process. The credit card is supported by Capital One, so you can sign in on Capital One’s website to pay your credit card bills.
A shortcoming in this regard is the lack of a phone app. Unlike banking apps, Pottery Barn does not have an app for you to manage your credit card or pay your bills.
Cost
Although there’s no annual fee, the Pottery Barn Key Rewards card has an APR of , whereas the Pottery Barn Key Rewards Visa has a APR. Plus, there’s a fee of up to $40 for late payments on both cards.
Good To Know
Besides applying online, you can also apply for the Pottery Barn Key Rewards credit card at any Williams Sonoma Inc. store in the United States. The accounts are issued by Capital One.
Who Is It Best For?
The Pottery Barn credit card is best for people who frequently shop from the company’s seven brands. If you dine out often, you could opt for the Visa card that rewards you at grocery stores and restaurants.
Final Take
The Pottery Barn credit card is an ideal option for people who shop with the company, think they can earn substantial rewards or want to take advantage of free shipping on Williams Sonoma purchases. The APR is high compared to some other credit cards, but if you pay your balance in full each month, this shouldn’t be a problem.
Cynthia Measom contributed to the reporting for this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 16, 2022.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
