Pottery Barn has always been one of the best and trendiest brands when it comes to home furnishing. The company has its own unique style, and many people are drawn to the way the company caters to different age groups within a family. Apart from the original Pottery Barn brand, there’s also PB teen and Pottery Barn Kids for the youngest members of the family. If you’re looking for a way to purchase furniture without taking on too much financial burden at a time, Pottery Barn happens to offer a credit card to help consumers out. Here are 10 benefits you might find useful when you have a Pottery Barn credit card.
1. 10% back
This is one of the best benefits we’ve seen in credit cards in a while. 10% back is a good amount of money, and it should come in handy when you’re buying furniture because furniture doesn’t always come cheap. For every $250 you spend, you would get $25 back. It’s that simple.
2. Special financing
Occasionally, Comenity Bank—the bank that issues the credit cards—will offer special promotional financing for credit card holders. This special financing could become available to first-time credit card holders or those who have had their cards for a while now. This special financing will last for 12 months at a time.
3. Double rewards
Pottery Barn has special events where they will credit your account with double rewards of all your purchases. As a card member, you’ll be notified via email when Pottery Barn is holding a Double Rewards day especially for credit card holders. Building up your rewards to redeem later on is another great benefit of the Pottery Barn credit card, and with Double Rewards days, you could get as many points as you can to go over your rewards.
4. Private sales
Pottery Barn always has sales and private events going on. Most of the time, the deals that happen around this time are just ridiculous. You could save a ton of money on furnishings you already want. You’ll have early access to all private sales events given that you already have a Pottery Barn credit card.
5. Shopping for the family
As previously mentioned, Pottery Barn has two other brands under it: PB Teen and Pottery Barn Kids. You can use the Pottery Barn credit card for all brands, giving you an easy financing option to furnish your entire house, no matter how many bedrooms or rooms you might need to furnish.
6. Fair credit
This is great news for those with not-so-perfect credit. To qualify for the Pottery Barn credit card, you’d actually only need to have a minimum of a fair credit score in order to get approved. Of course, the better your credit is, the higher your chances will be of getting the card.
7. No annual fee
One of the best features of the Pottery Barn credit card is the fact that it doesn’t have an annual fee. Annual fees can be a hassle sometimes, especially since most cardholders don’t pay attention to when they come out of your account. If you happen to get charged with the annual fee on a random day, your annual fee might be taking credit away from a purchase you might otherwise be making.
8. Deferred interest
Pottery Barn offers deferred interest on the card if you pay your purchases in full each month. This is something to strive for considering how much interest could add up over time. Paying your dues in time and in full is good practice.
9. Online management
Being able to access your account online—anytime and anywhere—is such a convenience. You’ll never have to wonder what your balance may be and how much you might have left. Online account management also allows you to make payments and make them on time. There’s never been an easy way to manage your account than being able to do everything online.
10. No overlimit fee
In the event that you go over your credit limit on the Pottery Barn credit card, you will not get charged a fee for it. Depending on the amount you are charging over your limit, Comenity Bank is likely to pay the item/s for you. However, you’ll have to pay the amount of your overcharge before the next due date arrives.
Written by Garrett Parker
Read more posts by Garrett Parker