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Pottery Barn Capital One® Visa Credit Card Review

Pottery Barn Key Rewards Visa® from Capital One — all information about the credit card.

Updated December 19, 2023
Advertiser Disclosure Our Methodology
Capital One Pottery Barn Key Rewards Visa®
Learn more
Our Rating:
3.86 out of 5
scorer
Recommended credit score
Excellent (740-799)
  • Rewards Rate:
    • 5% Cash Back online and in stores across seven brands.
    • 4% Cash Back at grocery stores and restaurants (excludes fast food).
    • 1% Cash Back on everything else.
  • Intro Offer:
    • 10% Cash Back across seven brands for your first 30 days from account opening.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    30.24% Variable
  • Balance Transfer APR:
    30.24% Variable
Show more

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Pottery Barn Key Rewards Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5%
Pottery Barn purchases
$
4%
Groceries
$
4%
Dining
$
1%
All other purchases
$
Have you already recieved the Capital One intro bonus?
Calculate
Your Results
Total yearly earnings
First year rewards
$178
Rest years rewards
$168
Annual fee
$0
Yes, Pottery Barn Key Rewards Visa® credit card is worth its annual fee!
How to maximize your Pottery Barn Key Rewards Visa® rewards?

Follow these simple steps to make the most of Pottery Barn Key Rewards Visa® credit card:

  • Spend more on Pottery Barn purchases
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Pottery Barn Key Rewards Visa®.

Your net profit in the first year
$178
cup of coffee x66
Your net profit in subsequent years
$168
cup of coffee x62
Show less details
You will receive $178 in the first year
Where you get the most profit
  • Pottery Barn purchases
  • Groceries
  • Dining
  • All other purchases
  • Into bonus
Pottery Barn purchases
$60
Groceries
$48
Dining
$48
All other purchases
$12
Into bonus
$10
Total
$178
Annual fee
$0
Net yearly credit card profit
$178
You will receive $168 in the rest years
Where you get the most profit
  • Pottery Barn purchases
  • Groceries
  • Dining
  • All other purchases
Pottery Barn purchases
$60
Groceries
$48
Dining
$48
All other purchases
$12
Total
$168
Annual fee
$0
Net yearly credit card profit
$168

All benefits

  • Cash back
    • 5% Online and in stores across seven brands.
    • 4% At grocery stores and restaurants (excludes fast food).
    • 1% On everything else.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 30.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 30.24% Variable
  • APR for Cash Advances
    • 30.24% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases, provided you have paid your previous balance in full by the due date each month. You will be charged interest on cash advances and balance transfers on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 3% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR
  • Fees for Cash Advances
    • Either $3 or 3% of the amount of each cash advance, whichever is greater
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • High APR

Features

Classic
Visa
  • No Annual Fee
  • No foreign transaction fees
  • Cashback
  • Rewards
  • Excellent Credit

About the issuer

Capital One
Capital One has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Capital One Pottery Barn Key Rewards Visa® is an option for those, who need Classic features. With an APR of 30.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Excellent (740-799) credit score. With Capital One Pottery Barn Key Rewards Visa® you will get such features as No Annual Fee, No foreign transaction fees, Cashback, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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