The Pottery Barn offers some of the best deals on high-quality home goods. Whether you are shopping for a new living room sofa, a stylish rug or to furnish a dorm room or new apartment, the Pottery Barn has in-vogue and quality options from hundreds of brands. In addition, their stores are clean, their displays demonstrate the look and functionality of the merchandise and the staff is courteous and helpful. Shopping at the Pottery Barn may be an easy decision, but what about applying for Potterybarn credit card?

The Benefits of Holding a Potterybarn Credit Card

The Pottery Barn is a great option when you need to furnish a room, apartment or even an entire house. Practically everything you need can be found in one convenient place. However, considering that many Pottery Barn items cost well over $$$, most people need a financing option. The Pottery Barn credit card provides a convenient method of obtaining that needed financing. In addition, it provides rewards and attractive financing terms.

Generous Rewards

If you plan on shopping at Pottery Barn regularly, getting a Pottery Barn credit card pays off big time. Cardholders are rewarded with 1 point per dollar spent at the Pottery Barn provided they make a purchase of $$ or more. Pottery Barn rewards cardholders with a $ store credit per 2500 points. No doubt, receiving complimentary merchandise worth 10% of what you spend is a valuable benefit if you shop at the Pottery Barn frequently. Signing up for the card before a major purchase is the best strategy for obtaining substantial rewards.

Rewards can be redeemed for merchandise at any Pottery Barn, including the following:

Exclusive Offers

In addition to the 10% store credit rewards, Potterybarn credit card customers receive exclusive reward offers throughout the year. For regular customers, these rewards are a substantial opportunity for savings. Double reward opportunities are also offered, which make a huge difference during the holiday shopping season. The rewards get even better when spending over $$ because Pottery Barn customers can choose between rewards dollars and promotional financing.

Private Sales

Many people don't realize that Pottery Barn offers private sales. Most likely, that's because you need to be a Potterybarn credit card customer to qualify. These sales prices are exceptionally aggressive. Savings of thousands of dollars are possible, and as a Potterybarn credit card customer you have early access to all private sales, allowing you to scoop up the best deals.

Promotional Financing

Zero percent interest is great, and it applies to all Potterybarn credit card purchases over $$. Unfortunately, less expensive purchases are ineligible, so a general consumer credit card that offers zero percent may be a better purchase option for less expensive items. It's important to note that the zero percent financing ends after 12 months.

Also, the interest is deferred rather than eliminated. This means that you must pay off the entire balance before 12 months or all of the deferred interest will be added to your balance. The deferred interest will also be added if you miss a payment, so setting up your account for automatic payments is highly recommended.

Terms and Conditions

What Are the Approval Odds for a Pottery Barn Credit Card?

If you are a pottery barn shopper, chances are good that you will gain approval for the card. Customers with fair credit scores (620 to 680 FICO scores) generally recieve approval. Approval may be denied despite an acceptable score for several reasons:

Potterybarn credit cards can be applied for at any Pottery Barn location or online at Potterybarn.com.

Can a Pottery Barn Credit Card Only Be Used at Pottery Barn?

Potterybarn credit cards are accepted only at Pottery Barn and affiliated stores. Affiliates include the following:

What Do Other Consumers Say About the Pottery Barn Credit Card?

Consumers approve of the benefits provided by a Potterybarn credit card. The 12-months deferred interest helps many customers make big purchases, especially those who need to finance furnishings for a new home. Customers also appreciate that there is no over credit limit fee. The rewards program provides valuable store credits, while access to private sales makes bargain hunting convenient. However, some consumers complained of certain drawbacks. 

Many online reviews revealed that the rewards program can grow confusing. Also, the 12-month promotional financing period can become a problem if cardholders cannot pay the card off within that timeframe. Interest for the entire 12 months is then added to the account, which is over 28%. The promotional financing can end up backfiring against cardholders, leaving them with a far higher balance than anticipated.

Comparison of the Pottery Barn Credit Card to Other Credit Card Offers

Chase Limited Freedom Card

The Chase Limited Freedom Card offers double cash back. Cardholders earn 3% cash back on any type of purchases up to $$$ during their first year, after which they earn 1.5% cash back for any type of purchase. Cash back rewards never expire. In addition to cash back, new card holders enjoy zero percent APR for 15 months on purchases and balance transfers. The APR after the promotional period is between 17.24-25.99%. There is no annual fee.

The Chase Limited Freedom Card also provides travel rewards. Travel is something most people want and need to do, but the costs add up: airlines, hotels, eating out, car rentals and tourist traps can empty your wallet in no time. A travel card provides rewards that cushion against these expenses. With the Chase Limited Freedom Card, you earn travel rewards for any type of shopping: even grocery and gas purchases. Cardholders can redeem the rewards for airfare, hotel stays and other travel-related spending.

The Discover It Card

Discover Card works hard to promote the travel rewards benefits of the Discover It credit card. Considering the benefits, it's easy to see why the company promotes it so heavily. Discover matches all airline miles earned during the first year. Earn 50,000 miles and Discover automatically credits your account with an additional 50,000 miles, entitling you to $$$ in travel credit. Discover It customers earn unlimited 1.5x miles for each dollar spent. In addition, Discover It customers benefit from the following:

The Discover It card also has great security features. Cardholders can prevent fraud by freezing accounts in seconds through the mobile app or the Discover website. Discover It customers also have access to the Discover Credit Scorecard, which shows their FICO® score, the number of recent inquiries and other data that helps them improve their credit rating.

Is a Pottery Barn Credit Card for You?

If you are a regular big spender at Pottery Barn, then a Potterybarn credit card makes sense. The rewards are substantial and access to private sales can save you big bucks on your next purchase. The 12-months zero interest can be a huge help, especially considering that Pottery Barn sells premium merchandise that comes at steep prices. By using the Potterybarn credit card, you can enjoy avant garde decor right away. However, charging on a Potterybarn credit card if you can't pay it off in 12 months can leave you with buyer's remorse. 

Also, the promotional financing only applies to purchases of $$$ or more. If you're not spending this amount, then a bank card with promotional financing is a better option.

The Potterybarn Credit Card rewards are redeemable for certificates. These certificates reduce the total bill at check out time. Customers can also use special financing offers to break purchases up into several manageable monthly payments. These options work great if you often spend over $$ at Pottery Barn. Rewards are only given when more than $$ is spent at one time. If spending this much at Pottery Barn isn't for you, then the card won't provide superior benefits compared to bank cards. 

Conclusion

Pottery Barn offers some of the highest quality and most sophisticated home furnishings and home goods products on the retail market. Because of the quality of merchandise, stellar customer service and enjoyable atmosphere at Pottery Barn, many consumers become loyal Pottery Barn customers. When spending amounts over $$ at Pottery Barn is the norm, having a Pottery Barn credit card makes sense. The rewards and private sales will provide tremendous savings.

Those who spend little at Pottery Barn won't see much benefit from a Potterybarn credit card. Alternative reward cards, such as Chase Unlimited Freedom or Discover It, provide many rewards programs unavailable with a Potterybarn credit card. Infrequent Pottery Barn shoppers are better off with rewards cards that earn benefits everywhere.