Pottery Barn Key Rewards Credit Card

Pottery Barn Key Rewards Credit Card Review

This is a store credit card issued by Capital One. If you're wondering whether Pottery Barn credit card is the right card for you, read on.

Key Takeaways

• Earn rewards and exclusive benefits across our seven brands.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 26.49% up to 28.49%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Pottery Barn credit card

The Good

The Bad

Earn 10% back in rewards. Earn $25 in rewards for every $250 you spend on the Pottery Barn Credit Card or choose 12 month special financing on purchases of $750 or more. Double rewards: Pottery Barn will send invitations to Double Rewards events throughout the year. Plus, early access to private sales. Shop family brands: Earn and redeem Rewards from the entire family of brands, including Pottery Barn Kids and PBteen. No annual fee. No annual fee. Pottery Barn Key Rewards Credit Card reports to multiple credit bureaus.

High interest rates. Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Pottery Barn credit card FAQ

Does Pottery Barn credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Pottery Barn credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Pottery Barn Key Rewards Credit Card has a variable purchase APR that ranges from 26.49% up to 28.49%. The card has a variable balance transfer APR that ranges from 0% up to 26.49%. It also has a variable cash advance APR that ranges from 0% up to 26.49%.

What are the fees for Pottery Barn credit card?

The following fees apply:

Pottery Barn credit card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	$0
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Pottery Barn Key Rewards Credit Card report your account activity to credit bureaus?

Yes, Pottery Barn Key Rewards Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Pottery Barn credit card

• Visit the Pottery Barn credit card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.