The Key Rewards Visa Credit Card

Synchrony Visa Pending

Back Apply Now

17

Benefits

4

Reward Categories

5x

Max Reward

30%

APR From

Basic Information

PENDING

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

Issuer: Synchrony

Card Name: The Key Rewards Visa Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:42

Last Scraped: Feb 17, 2026 07:44

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Pottery Barn Family Brands	5x	Points	Purchases at Pottery Barn, Williams Sonoma, West Elm, Mark & Graham, and Rejuvenation.	No Cap
Dining	2x	Points	Dining purchases.	No Cap
Groceries	2x	Points	Grocery store purchases.	No Cap
All Other Purchases	1x	Points	All other eligible purchases everywhere Visa credit cards are accepted.	No Cap

Rewards Summary

PENDING

Reward Type: Points

Base Rate: 0.25x

Bonus Rate: 1.25x

Categories: Pottery Barn, Williams Sonoma, West Elm, Mark and Graham, Rejuvenation, and Pottery Barn Kids & Teen

Quarterly Rotating: No

Expiration Policy: Key Rewards points expire 12 months from the date they are earned.

Point Value: 0.04¢

Redemption Penalties: Key Rewards Certificates expire 90 days from the date of issuance. Key Rewards Certificates are not redeemable for cash, cannot be used to purchase gift cards, and cannot be applied to previous purchases.

Benefits & Protections (Detailed) 17 Total

PENDING

Financing 1

Special Financing

12 months special financing

Enjoy 12 months of special financing on qualifying purchases of $750 or more.

Lifestyle 2

Birthday Reward

Special reward

Receive a special reward during your birthday month.

Visa Concierge Services

24/7 personal assistance

Provides 24/7 personal assistance for tasks such as making dinner reservations, booking event tickets, or finding unique gifts.

Purchase Protection 2

Visa Purchase Security

Coverage for theft/damage

Covers eligible new purchases against theft or damage for a specified period from the date of purchase.

Visa Extended Warranty Protection

Extended warranty

Extends the manufacturer's original warranty on eligible items purchased with the card.

Rewards 2

Rewards Earning - Pottery Barn & Affiliates

10% back in rewards

Earn 10% back in rewards on purchases made at Pottery Barn, Williams Sonoma, West Elm, Mark and Graham, Rejuvenation, and Pottery Barn Kids.

Rewards Earning - Everywhere Else

5% back in rewards

Earn 5% back in rewards on purchases made everywhere else Visa credit cards are accepted.

Security 2

Visa Zero Fraud Liability

Full protection

Protects cardholders from unauthorized purchases made with their card or account information.

Visa Lost/Stolen Card Reporting

Reporting assistance

Assistance with reporting a lost or stolen card and preventing unauthorized use.

Shopping 2

Exclusive Cardmember Offers

Varies

Access to exclusive cardmember offers throughout the year.

Free Standard Shipping

Free standard shipping

Receive free standard shipping on eligible purchases at Pottery Barn, Williams Sonoma, West Elm, Mark and Graham, Rejuvenation, and Pottery Barn Kids.

Travel Assistance 4

Visa Emergency Card Replacement

Expedited replacement

Provides expedited replacement of a lost or stolen card, typically within 24 to 72 hours.

Visa Emergency Cash Disbursement

Emergency cash access

Provides emergency cash access if your card is lost or stolen while traveling.

Visa Roadside Dispatch

Pay-per-use service

A pay-per-use roadside assistance program available 24/7 for services like towing, tire changing, jump starting, and lockout service.

Visa Travel and Emergency Assistance Services

Referral services

Provides a range of referral services for medical, legal, and travel-related emergencies while traveling.

Travel Insurance 1

Visa Auto Rental Collision Damage Waiver

Secondary coverage

Provides secondary coverage for damage or theft to an eligible rental vehicle when the card is used to pay for the rental and the rental company's collision damage waiver is declined.

Welcome Offer 1

Welcome Offer - Initial Reward

$25 in rewards

Receive $25 in rewards when you open and use your Key Rewards Visa Card the same day.

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
Balance Transfer:	Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater.
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

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months or if you make a late payment.

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 739

Approval Odds

Good

Soft Pull Support

Hard Pull Only

Application Process

Prequalification

Not Available

Preapproval

Not Available

Credit Bureau

TransUnion, Experian

Issuer Rules & Policies

PENDING

Rules: Eligibility requires applicants to be U.S. residents, 18 years or older, with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval for the Visa version typically requires good to excellent credit history. Applicants must not have an excessive number of existing Synchrony accounts or high cumulative credit exposure with Synchrony. Bonus rules for new cardholders commonly include a discount on the first Pottery Barn purchase (e.g., 10-20% off) made within a specified timeframe (e.g., 30-90 days), and/or an introductory offer to earn bonus rewards points after meeting a small spend threshold within the first 90 days. Application rules follow standard credit underwriting, with Synchrony being sensitive to recent credit inquiries and overall credit limits across their portfolio.

Max Cards Per Issuer: 6

Min Spend Interval: Typically 3 months (90 days) for spend-based welcome bonuses, or immediate for first purchase discounts.

Shutdown Risk Triggers: Excessive credit inquiries, high cumulative credit limit across Synchrony accounts, missed payments, high credit utilization, suspicious or fraudulent activity, frequent balance transfers (if applicable), applying for too much credit too quickly, or defaulting on other Synchrony accounts.

Cliff Effect Rules: No specific 'cliff effect' rules or card family restrictions that prevent eligibility for this card based on holding other Synchrony or Pottery Barn cards. However, general Synchrony application rules regarding credit exposure and recent applications will apply.

International Friendly: No

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Good rewards for frequent Pottery Barn shoppers, especially with the sign-up bonus; easy approval for some.

Top Negative:
High APR, rewards limited to store brands, frequent complaints about Synchrony customer service, and tricky deferred interest promotions.

Approval Experience: 72.0 / 100

Recommended Alternatives

Wayfair Credit Card
Capital One SavorOne Cash Rewards Credit Card
Chase Freedom Unlimited

Card Value Score: 62.0 / 100

Est. Annual Rewards: $285.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: v1.0