Q: While shopping today I was asked if I wanted a Pottery Barn credit card application to pay for my soon-to-be new living room. I don’t like feeling pressured, so I took the pamphlet home with me. It looks like it has good rewards! Would you recommend this card?
A: Pottery Barn is an excellent store to pick up home furnishings. While they make great stuff, unfortunately it’s rather pricey… so any sort of rewards program would definitely be nice!
In a nutshell here is the Pottery Barn credit card rewards program:
- For every $250 spent at their stores, you get a $25 rewards certificate that can be redeemed via store, catalog, or website purchase at Pottery Barn, Pottery Barn Kids, and PBteen.
- The reward certificates are issued with your monthly statement and expire 180 days from the date they were issued.
- Reward certificates cannot be sold or transferred. If they are lost or stolen they will not be replaced.
So by getting $25 in rewards for every $250 spent, you are basically getting 10% back on your purchases. This is definitely one of the better rewards programs I’ve seen for a store credit card! There’s no annual fee, which is also a major plus.
Are there any drawbacks?
Unfortunately this card is not associated with any major payment network (like Visa, MasterCard, AmEx, or Discover) and that means it can only be used for purchases at Pottery Barn stores. The APR on the Pottery Barn card is high – 22.80% – at the time of this review. Therefore this would definitely be a bad card to ever carry a balance on.
There are no negative credit card reviews on our forum for this card, nor have I seen any negative reviews elsewhere for it. If you find yourself spending a lot on queen duvet covers, euro shams, or any of the thousands of other home furnishings they sell, then it may not be a bad idea to apply for a Pottery Barn credit card. However if you ever carry a balance, then it may be best to avoid this card.
Other great ways to get rewards?
While you’re at it, you should also take a look at your main credit card… how much in rewards does it give you? Check out our list of the best cash back credit cards so you can save the most amount of money everywhere you shop, because hopefully Pottery Barn isn’t the only place you spend your money :p
updated for 2013