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Pottery Barn Credit Card Review

Pottery Barn Credit Card Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Oct 26, 2018. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Pottery Barn customers may have been asked if they want to open a Pottery Barn Credit Card at checkout to take advantage of special financing offers or earn rewards. If you’re wondering if the card is worthwhile, we’ll tell you upfront that you can do better with other credit cards that offer better rewards and flexibility.

In this review, we’ll evaluate the special financing offers provided by the Pottery Barn Credit Card and provide better alternatives for financing your Pottery Barn or other home furnishing purchases.

Rewards breakdown

This card has a rewards program where you earn 1 reward dollar for every dollar spent at any Pottery Barn brand catalog, store or website. This rate is subpar considering you can find flat-rate cashback or rewards cards that offer 2% or 2 points per dollar spent.

You’ll receive a $25 reward certificate for every $250 spent and the certificate expires 180 days after the date of issuance. Reward certificates can be redeemed for merchandise only (that means no gift cards) at any Pottery Barn brand store (Pottery Barn, Pottery Barn Kids and PBteen), through their catalog or website.

Note: Transactions of $750 or more may choose between earning reward dollars or special financing.

And since this is a store card, you’re limited on where you can use it — only at Pottery Barn brand stores (Pottery Barn, Pottery Barn Kids and PBteen), through their catalog or website.

Special financing offers

If you really want to use a Pottery Barn Credit Card on your Pottery Barn purchases, and you’re certain you can pay your balance in full each month, you might consider their interest-free financing options.

The Pottery Barn Credit Card may offer a special financing option at checkout on select purchases:

  • No interest if paid in full within 12 months.* $750 minimum purchase and minimum monthly payments are required.

The length of this offer is slightly less than our recommended 15 months of promotional financing, but can help you finance Pottery Barn purchases.

Note: Transactions of $750 or more may choose between earning reward dollars or special financing.

Watch out for deferred interest

Many store cards charge deferred interest, and the Pottery Barn Credit Card is no different — this means that if you take advantage of a special financing option and don’t pay it in full before the promotional interest-free period ends, you will incur all the interest you would’ve been charged during the interest period.

Here are the deferred interest terms for the Pottery Barn Credit Card:

“If you choose not to pay off your purchase within the promotional plan period, you will be required (at the end of the plan) to pay all of the interest you would have incurred during the plan. Interest will be accrued on the original purchase amount.”

To avoid deferred interest charges, make sure you pay your entire balance in full before the promotional interest-free period ends. Continuing to carry a balance post-special financing period defeats its purpose and may cause you to fall into debt, since the interest rate is very high at 28.74% variable* APR.

Additional perks

The Pottery Barn Credit Card offers a few perks for cardholders, including:

  • Double rewards events throughout the year
  • Exclusive events and offers such as early access to private sales

Alternatives

If you’re offered a special financing offer at checkout with the Pottery Barn Credit Card, we recommend considering better alternatives such as intro 0% APR credit cards and personal loans. We’ll provide options below.

Intro 0% APR credit cards

A better alternative to the special financing offers provided by the Pottery Barn Credit Card are cards offering introductory 0% APR periods. These cards offer no interest for a given time period — typically six to 21 months — which can help you pay off purchases over time. Plus, all the cards mentioned below don’t charge deferred interest.

If you have an upcoming home furnishings purchase, check out cards which offer intro 0% APR periods for new purchases:

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • Any amount, any time. Cash back rewards never expire*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cash Back

More Info

  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

  • 0% Intro APR on purchases and balance transfers for 15 months

  • 16.74% - 25.49% Variable

Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM

See additional details for Chase Freedom®

More Info

If you have existing debt on a credit card, or your intro 0% APR period for purchases is about to end in two months, check out a balance transfer card. A balance transfer is when you transfer debt from one credit card to another card offering an intro 0% APR period on balance transfers. You may incur a balance transfer fee, but the cost is often outweighed by the amount you save on interest. Just note: Balance transfers can’t be done between cards from the same bank/Issuer. If you notice your special financing period is going to expire soon and you’re unable to pay off your balance, you should consider a balance transfer. This can save you money on interest charges that occur when you carry a balance after an intro period ends. Plus, you can benefit from more time to pay off your debt.

Here are our top picks for balance transfer cards:

  • 0% for 18 months on balance transfers & 0% for 6 months on purchases*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • 13.74% - 24.74% Variable*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Balance Transfer

More Info

  • 0%* for 12 months on Purchases*

  • 0%* for 21 months on Balance Transfers*

  • 16.49% - 26.49%* (Variable)

Highlights
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

See additional details for Citi Simplicity® Card - No Late Fees Ever

More Info

Read our guides on the best balance transfer cards and the longest into 0% APR cards.

Personal loan

A personal loan is when you borrow a fixed amount of money for a fixed time period, and at a fixed interest rate. Taking out a personal loan can be a good option if you have less-than-stellar credit since they lenders to be more lenient with their credit requirements. That’s compared with cards offering 0% intro APR periods which typically require good or excellent credit.

You can compare personal loan offers from numerous issuers for free at LendingTree. (Disclosure: LendingTree is the parent company of CompareCards.) This comparison tool is customized to your needs and you may receive offers from up to five lenders in just a few minutes.

Bottom line

While the Pottery Barn Credit Card has a rewards program and the potential to provide special financing offers, both aren’t nearly as good as the competing cards mentioned earlier. We don’t recommend using the special financing offers provided by the Pottery Barn Credit Card since they have pesky deferred interest charges, which can cause you to rack up high interest charges and debt. And, you can earn more rewards with other cashback or rewards cards.

*Terms and conditions apply. This offer and/or promotion has since changed, expired, or is no longer available.


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