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Review of the Pottery Barn Credit Card

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Pottery Barn is an upscale home furnishing chain with stores in the United States, Canada, the Philippines, Australia and Puerto Rico. Pottery Barn offers its customers their Pottery Barn Credit Card which can be used at any of their stores all over the world to earn rewards and benefit from special financing.

Pottery Barn brings you home furnishings that focus primarily on quality, style and value. Their Pottery Barn Credit Card is issued by Comenity Bank. In this article, we’ll look at the rewards and benefits the card has to offer and the downsides of signing up for it.

Pottery Barn Credit Card: Rewards Program

The rewards program offered by Pottery Barn is somewhat unclear, to say the very least. Credit card holders can either choose to go with the rewards program or special financing. The rewards program is only applicable to shoppers who spend at least $250 at the store. Cardholders who spend over $750 can choose to earn rewards or make the most of special financing to help pay off the debt.

On spending $250 or more at any Pottery Barn store, you qualify to their cash back rewards. Customers shopping at the store, online or even ordering through a catalog can earn 1 point for every dollar charged to the Pottery Barn Credit Card.

Credit card holders receive points on making net purchases. For saving 250 points, customers are given a $25 gift certificate. Gift certificates have 180 day expiration and points expire after 36 months.

Pottery Barn Credit Card: Features and Benefits

The Pottery Barn Credit Card features:

  • 10% cash back rewards or 12 months of special financing
  • 1 point for every dollar spent
  • No annual fees
  • Special offers and events
  • Credit card can be used at Pottery Barn, Pottery Barn Kids and PBTeen

The Pottery Barn Credit Card doesn’t have a lot of promotional offers. However, if you will be shopping at the Pottery Barn store regularly or need to re-furnish your house then it’s a good idea to sign up for the card.

The 12 month special financing option is available to customers who spend $750 (or more) at the store. It could save you a lot of money if used responsibly. However, the interest rate on the card after the introductory period goes up to 26.99%.

Similar to other furniture stores, Pottery Barn charges interest retroactively if the debt is not paid off in full by the end of the introductory period. Moreover, they charge a $35 late fee and $25 on returned payments.

Pottery Barn Credit Card: Is It Right For You?

The Pottery Barn Credit Card doesn’t have a lot to offer customers. Their special financing offer is enticing, especially for those customers who plan on re-furnishing their entire home. They could definitely save a lot of money by paying off the debt in 12 months at 0% APR. But for those of you who aren’t looking to spend a lot of money at the store, you’ll be better off with a credit card that doesn’t charge interest retroactively.

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