Pottery Barn Credit Card can be a great choice if you are looking for reward points, cash back and other bonuses. There is no annual fee on the card and you can manage your account online. It has a user-friendly website on which you can make monthly payments, check your balance and redeem your points.
Pottery Barn has an online store that offers a variety of products. Right from home furnishing to backpacks, toddler clothing to beach wear, bedroom décor to baby gear you will find it all. It provides exciting discounts and comes up with new offers regularly. So no matter whenever you shop, you are sure to find some or the other offer in their store.
Pottery Barn Credit Card and its Pros
If you are a routine shopper, Pottery Barn credit card can fetch you loads of points. It gives you 1 point per 1$ spent without any annual fee for life. Also, it has a 0% APR for 12 months or a 10% cash back whichever works out best for you.
Owning a Pottery Barn credit card gives you easy access to exciting offers throughout the year. You can swipe this card for purchases at Pottery Barn, Pottery Barn Kids,PBTeen in-store, online, or for catalog orders.
Using this card will help you to save a lot of money. You can access your account online, which means you can pay your bills anytime anywhere at your convenience. There is no fee for online payments and therefore, the customer executives encourage you to opt for auto-payments.
As soon as you make your online payment, your credit limit will be adjusted the same day or the next business day. They have an immediate update of accounts; however, it depends on your payment clearance too.
Pottery Barn Credit Card and its Cons
Although this card comes with a lot of benefits good enough to tempt a customer, it has its own loopholes too. As per the terms and conditions stated on their website, it seems that you can redeem your points only after you exceed transactions of $250. Also, you will be eligible for cash back only if you exceed $750.
Another drawback is that points are rewarded only for online shopping, which means if you walk in to a Pottery Barn store and purchase a product, you might not receive any point for that. Also, the regular APR is 27.74%, which is higher as compared to other credit cards around.
It charges a late fee of $38 if you miss even a single payment. One customer claims that he made a furniture purchase from Pottery Barn but was charged twice for shipping. The customer care executives had no clue about this and refused to refund the money to the customer.
The Final Verdict
The features offered by this card can be easily found with other credit cards as well. All cards have some or the other way of attracting customers. After all they all lend you money for a price. This price comes in the form of annual charges, APRs and other miscellaneous expenses.
As a customer you should carefully decide which credit card to apply for. Making monthly payments on time should be your main aim after you apply for a credit card. It is suggested to do your homework well, compare different credit cards and take an informed decision.