Pottery Barn Credit Card Review 2022: Discounts for Cardholders

GOBankingRates Score

4.5
Quick Take: The Pottery Barn credit card, supported by Capital One, offers cash back rewards and perks on the family of seven retailers headed by Pottery Barn. Besides in-store rewards, the credit card also offers rewards on spending at restaurants and grocery stores. Overall, it's a useful card to have, especially if you shop from Pottery Barn family brands.
  • Rewards
    4.8
  • Versatility of Use
    4.5
  • Online Setup
    4.2
  • Cost
    4.5
How did we calculate this?

Pros

  • Ally Bank charges zero maintenance fees.
  • No minimum amounts are required to open or maintain an account.
  • Put your money to work for you with an interest-paying checking account.
  • Put your money to work for you with an interest-paying checking account.

Cons

  • After six transactions per month, you’ll have to pay $10 per exchange with the savings accounts. If you intent to withdraw or transfer more than this, check out the money market accounts.
  • You cannot deposit cash into your account.
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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 cashback 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.

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 receive 10% back in rewards. Additionally, Pottery Barn gives $25 as a birthday reward to all its members, 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. 

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Meanwhile, Visa cardmembers can 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. Since the credit card is supported by Capital One, 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 on the Pottery Barn credit card, the Key Rewards card has an APR of 24.99% to 26.99%. Plus, there’s a fee of up to $40 for late payments. 

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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 from 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. 

About the Author

Scott Jeffries is a seasoned technology professional based in Florida. He writes on the topics of business, technology, digital marketing and personal finance. After earning his bachelor’s in Management Information Systems with a minor in Business, Scott spent 15 years working in technology. He's helped startups to Fortune 100 companies bring software products to life. When he's not writing or building software, Scott can be found reading or spending time outside with his kids.

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