Are you a frequent Pottery Barn customer who’s wondering if the Pottery Barn Credit Card will save you money and earn you points on home furnishings and decor?

Well, the Pottery Barn Credit Card actually has a lot of perks for loyal Pottery Barn customers like special financing deals and rewards points earned on every Pottery Barn purchase.

In this review, we’re going to help you decide if the Pottery Barn Credit Card is right for you. And, if it is, we’ll show you how to earn the most points and get the best value out of the card.

Pottery Barn Credit Card Review

Here are the key details of the Pottery Barn Credit Card:

  • Annual Fee: None
  • APR: 28.49%
  • Benefits: 
    • 1 rewards point per $1 spent with your Pottery Barn Credit Card
    • 12-month interest-free financing on purchases of $750 or more
  • Minimum Payment: $5 or 5% of your balance, whichever is greater
  • Other Fees: Up to $38 for late payments and up to $38 for returned payments

What’s a Point Worth?

For every $250 you spend at Pottery Barn or one of its affiliate stores, you’ll earn a $25 rewards certificate. That makes each point worth about $0.10. For a store rewards card, this is a pretty good rewards-earning rate. Most store cards’ points are only worth $0.03 to $0.05 each.

Pottery Barn Credit Card Rewards and Benefits

Here are a few reasons you may want to take a closer look at the Pottery Barn Credit Card.

You buy all your furniture at Pottery Barn. This is a good card to have if you do most or all of your furniture shopping at Pottery Barn, PBteen or Pottery Barn Kids. Depending on how much you spend, you could easily earn $100 or more in rewards each year, especially if you take advantage of the double reward opportunities. Points earned at one Pottery Barn store can be spent at any of its affiliates or on the company’s website.

You plan on making a big furniture purchase. If you plan on purchasing an item worth $750 or more, you’re eligible for 0% interest financing for 12 months. You won’t have to pay any interest provided you make the minimum Pottery Barn Credit Card payment each month and pay the balance off in full before the 12 months are up.

Pottery Barn Credit Card Customer Service

The Pottery Barn Credit Card is issued by Comenity Bank which means that customer service inquiries must be handled with them and not Pottery Barn itself.

  • Pottery Barn Credit Card phone number: 866-234-2029

Calling this number will help answer all questions related to your Pottery Barn Credit Card application status and your card registration.

Pottery Barn Credit Card: Drawbacks and Downsides

While the Pottery Barn Credit Card has its perks for regular customers, here are a few reasons you may want to stay away.

You must choose between 0% financing or earning rewards. Pottery Barn does not allow you to earn rewards points on purchases that you are financing through the credit card. If you want to earn rewards on larger purchases, you must pay for it in full or opt out of the special financing period and pay the total with interest (though this is not recommended).

You could be penalized for failing to pay back large purchases in time. Pottery Barn offers 12-month deferred interest plans. As long as you pay the full cost of the item within those 12 months, you won’t have to pay any interest. But if you fail to pay back the full balance within that time, you will be retroactively charged all of the interest you would have accrued had you not had the special financing plan in place. With an APR of 28.49%, this could add up to hundreds of dollars in additional costs.

Pottery Barn Credit Card Alternatives

Here are some alternative cards you may want to consider if you’re looking for more opportunities to earn rewards.

If you’re looking for a good credit card for financing large purchases, try the Citi Simplicity Card. It comes with an 18-month 0% introductory APR, and its regular APR — 15.49% to 25.49% — is lower than the Pottery Barn Credit Card’s. It doesn’t offer any rewards, but its Price Rewind feature ensures you will get refunded if you purchase an item that could be found for less elsewhere. And there’s no late fees or penalty APRs if you fail to make a payment on time.

If you want a card with more flexible rewards-earning potential, the Chase Freedom Unlimited card is worth a closer look. You earn 1.5% cash back on every purchase, and you can earn an extra $150 if you spend $500 within the first three months of owning the card. This is another good card for financing large purchases. It has a 15-month 0% introductory APR, followed by a regular APR that ranges from 16.49% to 25.24%, depending on your credit.

Bottom Line: Should I Apply for the Pottery Barn Credit Card?

The Pottery Barn Credit Card is a good value for the store’s frequent customers, provided they’re careful to pay off their financed purchases on time. But if you don’t shop exclusively at Pottery Barn or you want a more flexible rewards card, you’re better off going with a more traditional cash-back card.