Advertiser Disclosure

Pottery Barn Key Rewards Visa: Earn Up to 10% Back!

Cory Santos

| Last updated on November 13th, 2023

Pottery Barn Key Rewards Visa

Pottery Barn Key Rewards Visa
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent
Visa Processing Network
None Annual Fee

Pottery Barn Key Rewards Visa

  • 29.99% variable based on the Prime Rate Regular Purchase APR
  • 29.99% variable based on the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

The Pottery Barn Key Rewards Visa offers up to 5% cash back rewards with seven brands in the Williams Sonoma portfolio – including Pottery Barn, Pottery Barn Kids, and Pottery Barn Teens. The card also earns 4% back on dining and groceries, with rewards taking the form of $20 certificates.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 5% back online and in stores across seven brands
  • Earn 4% back at grocery stores and restaurants (excludes fast food)
  • Earn 1% Back on all other purchases
  • 10% back across seven brands for your first 30 days from account opening.
  • Special 12-month promotional financing on purchases of $750 or more
  • Free standard shipping at Williams Sonoma brands
  • Regular Purchase APR: 29.99% variable based on the Prime Rate
  • Balance Transfer APR: 29.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater.
  • Late Payment Penalty Fee: Up to $40
  • You frequently shop at Pottery Barn or any other Williams Sonoma brand
  • You want a store card that also earns rewards on groceries and dining
  • You don’t want to pay an annual fee and have excellent credit

The Pottery Barn Key Rewards Visa Review

The Pottery Barn Key Rewards Visa Signature is a co-branded retail and cash back rewards credit card that unlocks savings at Pottery Barn and four other brands in the Williams Sonoma portfolio. The card offers up to 5% back on select purchases, double cash back welcome bonus for new account holders, Pottery Barn exclusive discounts, special financing, and more.

How to Earn Rewards Earn Up to 5% Cash Back – and 10% Back for the First 30 Days

Like other Key Rewards Visa cards, the Pottery Barn Visa offers its best rewards with the seven brands that make up the Williams Sonoma family of brands. Beyond the three Pottery Barn brands, the card earns 5% cash back on purchases at the following retailers, both online and in-store:

Williams Sonoma Williams Sonoma Home Pottery Barn Pottery Barn Kids
Pottery Barn Teens Mark & Graham West Elm

New accounts with the Pottery Barn Key Rewards visa Signature also enjoy a special introductory bonus of 10% back across seven brands for their first 30 days from account opening.

Earn 4% Back on Dining and Groceries

The Pottery Barn Key Rewards Visa also earns impressive cash back on everyday categories that will help provide additional savings into the future. Cardholders earn 4% cash back on groceries and dining purchases, with all other purchases earning a base rate of 1% back. Keep in mind that the 4% back on dining does not include fast food but does include food delivery services like GrubHub, Uber Eats, DoorDash, and more. Additionally, grocery store purchases do not include gas station or convenience store purchases or groceries purchased from box stores like Walmart or Target.

Apply for the Store Card, too

What’s interesting about the Key Rewards credit cards from Capital One is that each option has two versions whether the West Elm, Pottery Barn, or Willaims Sonoma, Capital One offers both closed-loop and open-loop versions of its credit cards.

So, what’s the difference? A closed-loop credit card only works for purchases at the particular brand of families, meaning you can use the card to buy items in-person or online with any Williams Sonoma brand – but nowhere else. This credit card type is commonly known as a “store card.” The Visa versions of the cards are known as open-looped, meaning you can use them to make purchases anywhere in the world Visa is accepted.

So what does this mean for you? Essentially, when you apply for a Williams Sonoma branded Visa credit card from Capital One, you are also applying for the closed-loop store card version. Store cards typically have lower credit requirements than traditional credit cards, making them a great bet if you are newish to unsecured credit.

How to Redeem Cash Back Rewards with the Key Rewards Visa Signature

If the cash back rewards with the Kew Rewards Cards from Capital One are impressive, the redemption options are uninspired. The only redemption option for cash back is a reward certificate, redeemable in $20 denominations.

Every $20 of Rewards cardholders earn will receive a $20 rewards certificate following 30 days. These rewards are sent automatically and apply only to future purchases with the card or member account at all Williams-Sonoma brands.

While the lack of redemption options might be frustrating, the card offers significant value for those who prioritize savings with a particular brand but don’t want the closed-loop hassle that comes from a  store card.

Special Pottery Barn and Williams Sonoma Benefits and Savings

The Key Rewards Card also comes with a suite of special perks for cardholders, including special promotional financing. Cardholders enjoy 12-month promotional financing on $750 or more purchases with the seven brands in the Williams Sonoma portfolio. However, any purchases that are made using the promotional financing option do not earn cash back rewards – something to keep in mind.

Cardholders also enjoy free standard shipping on Williams Sonoma purchases and earn a $25 birthday reward via email on their birthday. Other notable Pottery Barn and Williams Sonoma benefits include:

  • Early access to promotions
  • Sneak peeks of new collections
  • Cross-brand design services with Design Crew, including a free consultation with design experts

Other Card Features

Other notable features of the card include no annual fee plus Visa benefits and protections like:

Zero Fraud Liability Cardholder Inquiry Services Emergency Card Replacement Luxury Hotel Collection Extended Warranty Coverage
Roadside Dispatch Lost/Stolen Card Reporting ID Navigator from Norton Travel & Emergency Assistance

Capital One Ratings

How is Capital One a credit card issuer? Here is a selection of reviews for the bank from consumers and experts alike:

Should You Apply for the Capital One Pottery Barn Key Rewards Visa Signature Card?

Overall, the Pottery Barn Key Rewards Visa Signature Card offers plenty of substance to justify considering. The cash back rewards with the card are generous for brand-loyal customers, as is the 10% back with Williams Sonoma for the first 30 days. Add to that 4% back on groceries and dining, and you have an everyday credit card that helps offset Pottery Barn, West Elm, and Williams Sonoma purchases.


Browse Other Card Offers:

Editorial Disclosure – The opinions expressed on's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.