Pottery Barn Key Rewards Credit Card
Basic Information
Program ID: pottery-barn-key-rewards
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 16:07
Last Scraped: 01/15/2026 16:09
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| 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: 2,199.00% - 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: Statement credit typically posts within 2-3 billing cycles after meeting the spending requirement.
Rewards Program
Reward Type: Key Rewards (Store Credit)
Base Reward Rate: 1.00%
Bonus Reward Rate: 10.00%
Bonus Categories: 10x on purchases at Pottery Barn, Williams Sonoma, West Elm, Mark and Graham, and Rejuvenation
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Key Rewards expire 180 days (6 months) after issuance.
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
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Pottery Barn Key Rewards card, issued by Capital One, typically offers an introductory bonus for new cardholders, often in the form of a percentage discount on the first purchase (e.g., 10-15% off) or accelerated rewards points on initial spend within the Pottery Barn family of brands (Pottery Barn, Williams Sonoma, West Elm, etc.). This bonus is generally available only to applicants who have not held the Pottery Barn Key Rewards card in the past 24 months. Application Eligibility Requirements: 1. **Credit Score**: Applicants generally need good to excellent credit (typically FICO score of 670+). 2. **New Accounts Sensitivity**: Capital One is sensitive to recent credit applications. While not a strict '5/24' rule like some issuers, applicants with 2 or more new credit accounts opened across *all* issuers in the past 24 months may face denial. Capital One also generally limits new card approvals to one every six months. 3. **Existing Capital One Cards**: Capital One typically limits individuals to 2 personal credit cards. While store cards might sometimes be considered separately, they still contribute to overall credit exposure with the issuer. 4. **Income**: Applicants must demonstrate sufficient income to meet payment obligations. 5. **Age & Residency**: Must be 18 years or older and a U.S. resident. 6. **Bonus Eligibility**: The introductory bonus is for new cardholders of this specific product. Capital One has 'once per lifetime' bonus restrictions on *some* premium products (e.g., Venture X), but this specific rule does not typically apply to the introductory offers for co-branded store cards like Pottery Barn Key Rewards, which are product-specific.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months for spend-based bonuses; immediate for first-purchase discounts.
Shutdown Risk Triggers: Manufactured spending, rapid accumulation of credit limits across Capital One products, frequent balance transfers or cash advances without regular usage, bouncing payments or defaulting on other Capital One accounts, opening multiple Capital One cards in a short period, abuse of return policies or promotional offers specific to the Pottery Barn brand, or prolonged inactivity on the card.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
High rewards rate (10%) for purchases at Pottery Barn family brands, no annual fee, and a valuable sign-up bonus make it ideal for loyal shoppers. Special financing options are also a plus.
Top Negative Feedback:
Rewards are heavily skewed towards store purchases (1% elsewhere) and are issued as store credit, limiting flexibility. Not ideal for general spending or those who don't frequently shop at Pottery Barn brands.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Capital One VentureOne Rewards Credit Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $690.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 60% General / 40% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: 2023-10-26