Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The Pottery Barn Key Rewards Visa leads on dining; the Verizon Visa Card on grocery stores.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Pottery Barn Key Rewards Visa | Verizon Visa Card |
|---|---|---|
| Dining | 4X | 4X |
| Gas Stations | 1X | 4X |
| Grocery Stores | 4X | 4X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The Verizon Visa Card wins in 1 of 1 categories. The Pottery Barn Key Rewards Visa leads in 0.
Gas Stations
Verizon Visa Card earns 4X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Verizon Visa Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Pottery Barn Key Rewards Visa | Verizon Visa Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $228 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $228 Year one: $228 | Rewards: $264 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $264 Year one: $414 | Verizon Visa Card | Verizon Visa Card |
| Heavy spender: $4,000/month | Rewards: $912 Credits (our usable estimate): $0 − Annual fee ($0) |
Both scenarios favor the Verizon Visa Card on net value (rewards, usable credits, fees, and welcome offer).
Rewards: $1,056 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,056 Year one: $1,206 |
| Verizon Visa Card |
| Verizon Visa Card |
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
