Pottery Barn Credit Card Review 2022: Discounts for Cardholders

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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
  • Versatility of Use
  • Online Setup
  • Cost
How did we calculate this?


  • Offers birthday rewards
  • Free standard shipping on select purchases
  • Welcome bonus of 10% in cashback rewards
  • $0 annual fee
  • Option for o% APR on qualifying purchases


  • Spending limit for earning 10% in cashback rewards
  • High variable APR

Overview of Pottery Barn Credit Card

Here’s a detailed look at the highlighting features of Pottery Barn’s credit card. 

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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. As an alternative to 5% in cashback 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% back in rewards. Additionally, Pottery Barn gives $25 as a birthday reward each year to all its 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. 

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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. 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. 


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.

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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 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.

Editorial Note: This content is not provided by Capital One. 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 Capital One.

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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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