Pottery Barn Credit Card
Basic Information
Program ID: pottery-barn-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: N/A
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:46
Last Scraped: 01/15/2026 10:18
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 1-2 billing cycles after requirement is met, but often within 4-6 weeks.
Rewards Program
Reward Type: Reward Dollars
Base Reward Rate: 1.00%
Bonus Reward Rate: 10.00%
Bonus Categories: Pottery Barn, Williams Sonoma, West Elm, Rejuvenation, Mark and Graham, The Key Rewards family of brands
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Reward Dollars are issued as certificates which typically expire 90 days after issuance. Account must remain open and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Pottery Barn Credit Card from BreadFinance offers a bonus of 10% back in rewards on your first Pottery Barn purchase made within 30 days of account opening, followed by 5% back in rewards on all eligible Pottery Barn purchases thereafter. Eligibility requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number, and possess a good to excellent credit history. Approval is subject to BreadFinance's credit underwriting standards, which include a review of recent credit inquiries and total credit extended across all BreadFinance accounts. Applicants must not have been approved for a Pottery Barn Credit Card within the last 24 months.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 30 days
Shutdown Risk Triggers: High cumulative credit limit across all BreadFinance accounts, excessive returns or unusual purchasing patterns at Pottery Barn, missed or late payments, rapid application for multiple BreadFinance cards, or suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Good discounts and financing options for Pottery Barn purchases, easy approval for store loyalists, exclusive sales access.
Top Negative Feedback:
High interest rates, poor customer service from Comenity, limited rewards outside of Pottery Barn, difficult account management.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One SavorOne Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Target RedCard
Card Value Score: 68.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0