Pottery Barn Credit Card

BreadFinance Pending

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5

Benefits

2

Reward Categories

10x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: pottery-barn-credit-card

Issuer: BreadFinance

Card Name: Pottery Barn Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:46

Last Scraped: Feb 07, 2026 03:31

Apply URL: Visit

SCRA Benefits (Military Members)

The Military Annual Percentage Rate (MAPR) for covered borrowers under the Military Lending Act (MLA) will not exceed 36%. This MAPR includes fees for credit protection products and other fees as explained in the MLA regulation. Call 1-866-834-8643 for more information.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Pottery Barn Family Brands 10x Cash Back Purchases at Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, Williams Sonoma, Williams Sonoma Home, West Elm, Rejuvenation and Mark and Graham stores, catalogs and websites. No Cap
All Other Purchases 1x Cash Back Purchases everywhere else Visa credit cards are accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0

The credit card does not charge an annual fee for card membership.

Lifestyle 1
Annual Birthday Reward
$25

Receive a $25 Birthday Reward every year.

Shopping 3
First Purchase Bonus Rewards
10% back in Rewards

Earn 10% back in Rewards on your first purchase at Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Williams Sonoma, Williams Sonoma Home, Rejuvenation and Mark and Graham when you open and use your new Pottery Barn Credit Card.

Everyday Rewards Earning
5% back in Rewards

Earn 5% back in Rewards on purchases at Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, West Elm, Williams Sonoma, Williams Sonoma Home, Rejuvenation and Mark and Graham.

Exclusive Cardmember Offers
Varies by offer

Access to exclusive offers and promotions available only to Pottery Barn Credit Card members.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, 24, 36, 48 or 60 months. Minimum monthly payments required. See card agreement for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: New cardholders in 2026 receive 20% off their first Pottery Barn purchase made within 30 days of account opening, plus a $50 statement credit after spending $500 on Pottery Barn purchases within the first 90 days. Eligibility requirements: Applicants must be 18 years or older, have a valid U.S. Social Security Number or ITIN, a U.S. mailing address, and meet BreadFinance's creditworthiness criteria (typically good to excellent credit, though some exceptions may apply for store cards). Previous account closures with BreadFinance due to delinquency or fraud may result in ineligibility.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Excessive returns, missed payments, high credit utilization on the card, suspected fraudulent activity, opening multiple BreadFinance accounts in a short period, or a significant decline in overall creditworthiness.

Cliff Effect Rules: Bonus eligibility for new Williams-Sonoma Inc. family credit cards (e.g., Pottery Barn, West Elm, Williams Sonoma, Rejuvenation, Mark and Graham) issued by BreadFinance may be restricted if another card from the same family has been opened within the last 24 months. Credit limits across BreadFinance-issued cards may be considered cumulatively, impacting approval for additional cards or credit limit increases.

Special Events: Exclusive cardholder-only sales events, early access to new product launches, special financing offers (e.g., 0% APR for 12-24 months on qualifying purchases), and enhanced rewards during specific promotional periods.

Holiday Promos: Black Friday/Cyber Monday (November-December), Memorial Day Sale (May), Labor Day Sale (September), President's Day Sale (February), and seasonal clearance events (e.g., January, July).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good for Pottery Barn loyalists, offers exclusive discounts and financing options, easy approval for store purchases.

Top Negative:
High APR, poor customer service from Comenity Bank, limited utility outside of Pottery Barn, difficult website/payment system.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
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Card Value Score: 65.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0