Pottery Barn Key Rewards Credit Card

Synchrony Pending

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8

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: pottery-barn-key-rewards-card

Issuer: Synchrony

Card Name: Pottery Barn Key Rewards Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:40

Last Scraped: Feb 17, 2026 07:42

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides assistance to military personnel and their dependents under the Servicemembers Civil Relief Act (SCRA) and Military Lending Act (MLA). Active duty servicemembers or dependents can call 1-866-893-7864 to learn more about available benefits.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Pottery Barn & Partner Brands 5x Cash Back Purchases made at Pottery Barn, Williams Sonoma, West Elm, Mark and Graham, and Rejuvenation. No Cap
All Other Purchases 1x Cash Back Purchases made everywhere else Visa is accepted (Key Rewards Visa Card only). No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 8 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The Pottery Barn Key Rewards Card has no annual fee.

Financing 1
Special Financing Offers
Varies by offer

Access to special financing offers on qualifying purchases made with your Pottery Barn Key Rewards Card.

Lifestyle 1
Exclusive Cardholder Events and Previews
Access to events

Cardholders gain access to exclusive events and previews as part of the Key Rewards Program.

Shopping 5
Rewards Earning Rate
10% back in Rewards

Earn 10% back in Rewards on qualifying purchases made with your Pottery Barn Key Rewards Card at Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, Williams Sonoma, Williams Sonoma Home, West Elm, Rejuvenation, and Mark and Graham stores, websites, and catalogs. Rewards are issued in increments of $10 and are valid for 90 days from the date of issuance.

Welcome Reward
$25 Welcome Reward

Get a $25 Welcome Reward upon approval and first use of your new Pottery Barn Key Rewards Card.

Exclusive Cardmember Offers
Varies by offer

Receive exclusive offers and promotions available only to Pottery Barn Key Rewards Cardmembers.

Birthday Reward
Special reward

Cardholders receive a special reward during their birthday month as part of the Key Rewards Program.

Free Standard Shipping
Free standard shipping

Cardholders receive free standard shipping on most purchases made at Pottery Barn, Pottery Barn Kids, Pottery Barn Teen, Williams Sonoma, Williams Sonoma Home, West Elm, Rejuvenation, and Mark and Graham as part of the Key Rewards Program.

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
PENDING

$25

Cash Back

Timing: A $25 Welcome Reward will be provided to new cardholders upon account opening and first use of the card. The Welcome Reward will be provided within 30 days of the first purchase.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 36 months

⚠️ If you do not pay the purchase balance in full by the end of the promotional period, interest will be imposed from the date of purchase at the standard APR for purchases.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Pottery Barn Key Rewards Card in 2026 requires applicants to be at least 18 years old (19 in Alabama and Nebraska), a US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Approval is subject to Synchrony's internal underwriting, which considers factors such as credit history, existing Synchrony accounts, recent credit inquiries, and debt-to-income ratio. New cardholders typically receive a bonus offer, such as 10-20% off their first qualifying purchase or a statement credit after meeting an initial spend threshold within the first 90 days of account opening. Rewards are earned on eligible Pottery Barn purchases and may be restricted to specific brands or categories within the Williams-Sonoma Inc. family of brands.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (though less common for store cards), excessive credit seeking (numerous applications across Synchrony or other issuers in a short period), high cumulative credit limit across all Synchrony accounts, missed payments, default on any Synchrony product, suspicious account activity, or violation of terms and conditions.

Cliff Effect Rules: Synchrony does not typically enforce 'card family' or 'once-per-lifetime' rules for store cards in the same manner as major issuers. However, approval for new Synchrony cards, including other Key Rewards cards (e.g., West Elm, Williams Sonoma), is heavily influenced by the applicant's total credit exposure with Synchrony. Reaching a high cumulative credit limit across all Synchrony accounts can make further approvals difficult, regardless of individual card limits. Additionally, applying for multiple Synchrony cards within a short timeframe may lead to denials.

Special Events: Exclusive cardholder-only sales events, early access to new collections, bonus rewards days on specific categories or brands, and special financing offers for large purchases (e.g., 0% APR for 6, 12, or 24 months on qualifying purchases).

Holiday Promos: Increased rewards or special financing during major retail holidays such as Black Friday, Cyber Monday, Memorial Day, Labor Day, Presidents' Day, and seasonal sales (e.g., Spring, Summer, Fall, Winter clearances).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent rewards for loyal customers of Pottery Barn and affiliated brands, including valuable free shipping benefits and an attractive initial discount.

Top Negative:
High interest rates make carrying a balance costly, and some users report issues with Synchrony Bank's customer service and initial low credit limits.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Wayfair Credit Card
  • Citi Double Cash Card
  • Lowe's Advantage Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $200.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023