Where Can You Use Pottery Barn Credit Card

Pottery Barn brings an interesting deform to the commitment credit card: hard cash back or, if your purchase is spacious enough, special financing.

But as interesting as it is, this card is distillery a hard pass unless you're much a Clayware Barn fan that you'Re decking out your whole house in the retailer's goods. There are much better credit cards on offer, particularly when it comes the "special financing."

I mean, really: Why would you pay special financing when you can pay out no financing with something like the Capital One Fickle Hard cash Rewards card? Merely we will come stake thereto momentarily.

Is the Pottery B Credit Circuit board Good for Me?

The pint-size answer is, "No." While the Pottery Barn poster offers substantial cashback (and I'll get to that in meet a moment), the cashback is only useful when purchasing to a greater extent Pottery Barn gormandise. And, honestly, at some point, you have to ask, "How much Pottery B choke up can I have in unitary family?"

The longer answer is, "Maybe." If Pottery Barn truly is your Department of the Interior-medallion muddle, then you will in all likelihood cost happy with the cashback you receive for your Pottery Barn purchases. Though, if you buy in so much Pottery Barn gear that you need to finance the purchase, you are much better off using a different charge card that offers 0% financing.

Benefits and Features of the Pottery Barn Credit Card: All You Require to Know

First – the cashback feature. As I same, it's in spades generous. Pass $250 and Pottery Barn sends you a $25 reward certificate that you can use on a future Pottery Barn leverage.

Or, if you spend at least $750 on a single purchase, Pottery Barn will offer you "special funding" for 12 months happening that purchase.

And to be perspicuous, you cannot double-dim with a king-size purchase. You can't get ahead special funding on a $750 purchase and get $75 in reward certificates. This is an either/or offer. You can choose one or the other – not some.

Pottery Barn doesn't say what the "specific" funding rate is. I've seen reports elsewhere that lay claim the Pottery B charge card is offer 0% for 12 months. I can't say if that's true or not, since neither Pottery B nor Comenity Bank, which issues the identity card, defines the range beyond the word "uncommon."

And, honestly, I found that to be hugely tough. If you're pouring a special financing rate that is supposedly 0%, and so highlight that value! Other than, it's a missed chance to pull in a consumer who power glucinium enticed by that offer.

That said, even if the Pottery Barn credit card grade is 0% for 12 months, you can static improved by getting 0% for 15 months with these credit entry card game.

Beyond the cashback or extra financing, the Pottery Barn charge card will give you access to exclusive events and offers; double reward opportunities throughout the class; and the power to earn rewards by shopping at Pottery B, Pottery B Kids or PBteen. And there's no annual tip.

That's it for rewards.

So, aboveboard, on the far side the 10% cash back, there's non a total lot to get thrilled about with the Clayware Barn credit card.

What Cite Score You Need to be Advised

This is a store-branded credit card, meaning you should have no trouble obtaining this card if you have good credit, which implies a credit score Second Earl of Guilford of 670.

What if I Don't Qualify for a Pottery Barn Recognition Card?

If you experience subpar credit and Comenity Bank declines your application, then you need to consider a charge card that will help you build or repair your credit. As I regularly describe, the Capital Peerless Pt circuit card is cardinal of the absolute best options for that.

Das Kapital One Pt charges no yearly fee and offers an reflexive credit-limit increase after Phoebe, consecutive on-time payments. Those two features will bump up your recognition score because of the way scads are calculated, which will help you build or repair your credit in to a lesser extent than half a year.

Majuscule Same Platinum won't realize air hose miles or immediate payment-back or rewards points, merely when you have no credit or bad credit, perks won't help you. You need a card that increases your credit tally.

Which Credit Card game Do a Better Occupation Than a Pottery Barn Acknowledgment Scorecard?

Advantageously, right off the squash racquet I'll go back to what I mentioned earlier: the Capital One Quicksilver Cash Rewards Credit Visiting card.

Let's assume you know you're going on buying fling at Pottery Barn and you wish spend more than $750. You deliver a select:

Option A (Preferred): Apply for a Capital One Hydrargyrum Hard currency Rewards placard before you go …

Option B: Apply for the Pottery Barn credit card at the register in order to take advantage of the amorphous "extra financing," which we wish assume is 0% for 12 months.

The best option is easily the Capital One card.

With Capital One Quicksilver Cash Rewards you will contract:

• 0% financing on each new purchases in the first 15 months;
• You will get on 1.5% John Cash back connected all purchase you make, so that's $11.25 on a $750 Clayware Barn purchase;
• And you will get $150 immediate payment backward incentive later you spend $500 in the primary three months, which you will meet with your single, Clayware Barn purchase.

With the Pottery Barn card, you will spend $750 and you bequeath owe $750, and you will (theoretically) pay it back over 12 months at 0% interest.

With Capital One Hg Cash Rewards, the effective cost of your $750 Clayware B splurge is actually just $588.75 after accounting for the 1.5% cashback and the uncomparable-time sign-up bonus.

  Obviously, Capital One Quicksilver Cash Rewards wins happening a fres-purchase basis.

On an ongoing basis – meaning later the one-house up bonus and 0% financing for 15 months expires – I would argue the Chapiter One card is still a better bet. You accept to dress a mint of spending at Pottery Barn to benefit, and you have to wait until you spend $250 before you see a reward credentials … so you are unscheduled to go back to Clayware Barn to use that honor, otherwise it's just a worthless piece of paper.

With a Das Kapital One Changeable you can redeem any amount of cash in on in your report at whatsoever time, with no expiration date as long As you're calculate is acceptive.

You can apply the cash balance to your credit identity card account, significance you'ray cashback is useful for any purchase you make, not just on Pottery Barn menu. Or hold the money sent to your bank account … or asking a gift card.

The point is, Capital One Quicksilver Cash Rewards gives you unending options for how you use your cashback. The Pottery B credit card gives you one option, so you have to very like spending at Pottery Barn.

I'll also point out the Citi^® Double Cashcard – 18 calendar month BT offer is a better option than the Pottery Barn credit card.

This card will give you 1% when you spend and 1% when you repay your outstanding balance, for a add u benefit of 2% connected all purchase. And, as with Great One Quicksilver Cash Reward, you're cashback money is applicable to some other purchase you make in life, so you get total commercial enterprise freedom to manipulation your cashback on whatever you want.

There's no signup bonus with the Citi^® Double Cash Card – 18 month BT offer, but there's also no more annual fee. And you are eligible for 0% financing for 18 months on balance transfers. So, if you want a year and a incomplete to repay your Pottery Barn purchase with no sake charges, past you can make up for your Pottery Barn spending with an alive charge card, and then practice for Citi^® Double Cash Card – 18 month BT offer and immediately initiate a balance transfer to your new Citi^® Double Hard currency Circuit board – 18 month BT offer.

The Wrap Upfield:  Should I Apply for the Pottery Barn Credit Card?

If you whole geek impermissible over Pottery Barn and want your household to look look-alike a Pottery Barn lay in, then you will probably find some value in a Pottery Barn credit batting order, since you testament buzz off 10% cash back that you can then usance to go flake out at Pottery B some more.

However, if you never, rarely, or only occasionally range into a Pottery B, then this is a 100% completely useless credit card. The benefits will give you very diminutive / nothing of value.

And if you come happen to witness furnishings you like at Clayware Barn and you want to finance them terminated many months, and so apply for a Capital Cardinal Quicksilver Cash Rewards card first.

You'll get better financing terms, and the cashback and one-time bonus features will actually reduce the cost of your purchase.

Editorial Disclosure: Opinions expressed here are author's alone, non those of whatsoever bank, credit poster issuer, hotel, airline business, or other entity. This message has not been reviewed, approved or differently endorsed by some of the entities included within the post.

UGC Disclosure: The responses under are not provided or authorised past the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed away the bank adman. It is not the bank advertiser's responsibility to ensure all posts and/operating theater questions are answered.

Where Can You Use Pottery Barn Credit Card

Source: https://www.rewardexpert.com/blog/pottery-barn-credit-card/

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