The Pottery Barn is a well-known furniture department store with many locations in North America. Because major furniture purchases can be quite expensive, the Pottery Barn credit card is a good option for consumers with fair credit ratings. You can get access to an exclusive cash back rewards program if you are approved for the Pottery Barn credit card.
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There are two versions of the Pottery Barn credit card available. Both the traditional Pottery Barn credit card and the Pottery Barn Kids credit card are personal credit cards. Either card can be used at Pottery Barn and Pottery Barn Kids stores. The amount of the line of credit that you receive will depend on your credit score as well as other factors considered by World Financial Network Bank.
Pottery Barn Credit Card Perks
The first thing that stands out about these department store credit cards is the cash back rewards incentive. For every dollar spent at the Pottery Barn or Pottery Barn Kids, cardholders get 10% cash back in the form of a gift card.
Additionally, there is no yearly maintenance fee on the Pottery Barn credit card. While the Pottery Barn credit card can only be used at a limited number of stores, there are a wide variety of items from which to choose. The Pottery Barn is not accredited with the Better Business Bureau.
Pottery Barn Credit Card Restrictions
All cash back rewards must be used within three months. This means that if you spend more than $250 with your Pottery Barn credit card, you will need to redeem and spend your $25 Pottery Barn gift card within three billing cycles. Minimum finance charges are applied to all Pottery Barn credit cardholders, whether they have a balance or not.
As Pottery Barn credit cards are backed by the World Financial Network Bank, interest rates and terms can be changed at any time. If you fail to make the minimum payment on your Pottery Barn credit card for two or more consecutive months, your account can be closed and you can also incur additional fees.
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