The Restoration Hardware Credit Card
Create an inspired home with a Restoration Hardware credit card.
Cardholder Benefits
- Special financing options for qualifying purchases.¹
- One point earned for every dollar spent*.²
- Points awarded on all of your Restoration Hardware or Restoration Hardware Baby & Child purchases (net of returns and credits).
- 250 bonus points automatically awarded to your account with your first purchase.
- A $25 awards certificate for every $500 you spend (ie, 500 points you accumulate) during a calendar month.
- Convenient online account management, including bill pay.
- No annual fee.
Restoration Hardware Awards
For questions about Restoration Hardware Awards, please contact Restoration Hardware Credit Card Customer Service at 866-522-8014 (TDD/TTY 800-695-1788).
* The Restoration Hardware Awards Program is provided by Restoration Hardware, which is solely responsible for the program operation. Restoration Hardware may change the terms of the program at any time. Learn more.
¹ See Special Financing Options or visit a store for details.
² Learn more about Restoration Hardware awards.
Special Financing Options
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Deferred Interest Payment Option. Spend $1,000 or more in a single transaction on your Restoration Hardware credit card and pay no interest if the balance is paid in full within 12 months.
No Interest if paid in full within 12 months. If the balance is not paid in full in 12 months from date of purchase, interest will be imposed from the date of purchase at an APR of 24.99%. This APR will vary and is based on the Prime Rate. Payments are required during the promotional period (as described in your credit card agreement). Minimum monthly INTEREST CHARGE of $1.00. Purchase must be charged to your Restoration Hardware credit card account. Minimum purchase of $1,000 for 12 months required.
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Equal Payment Promotional PlansWith a purchase of $2,000 or $3,000, spread your payments out into equal amounts at a very attractive 9.99% interest rate. For Equal Payment Plans, please see the chart below for estimated monthly payments.
9.99% APR if paid in full in 12 or 24 months. If the balance is not paid in full in 12 or 24 months from date of purchase, the remaining balance will be included in your regular revolving balance and regular credit terms will apply. Interest will be imposed at an APR of 24.99%. This APR will vary and is based on the Prime Rate. Payments are required during the promotional period (as described in your credit card agreement). Minimum monthly INTEREST CHARGE of $1.00. Purchase must be charged to your Restoration Hardware credit card account. Minimum purchase of $2,000 for 12 months; $3,000 for 24 months required.
| LOW APR/EQUAL PAYMENT PLAN MONTHLY PAYMENT ESTIMATES ** | ||||
| Amount of Purchase | Duration of Payment Plan | |||
| 12 Mos. | Total Cost of purchase on 12 Month Plan+ | 24 Mos. | Total Cost of purchase on 24 Month Plan++ | |
|---|---|---|---|---|
| $2,000 | $180 | $2,127.23 | N/A | N/A |
| $3,000 | $270 | $3,190.84 | $141 | $3,353.62 |
| $4,000 | $360 | $4,254.45 | $188 | $4,471.49 |
| $5,000 | $450 | $5,318.07 | $234 | $5,591.66 |
| $6,000 | $540 | $6,381.68 | $281 | $6,709.54 |
| $7,000 | $630 | $7,445.29 | $328 | $7,827.41 |
| $8,000 | $720 | $8,508.90 | $375 | $8,945.28 |
| $9,000 | $810 | $9,572.52 | $422 | $10,063.16 |
| $10,000 | $899 | $10,636.61 | $468 | $11,183.33 |
* * The minimum payment due shown reflects the amount due if your previous balance is zero. Purchase must be made using the Restoration Hardware credit card. If previous balance is not zero, the minimum payment due for the Low APR, Equal Payment Credit Plan will be the amount of the purchase including the calculated finance charges that will be assessed from the date of purchase through the end of the promotional period divided by the number of months between the date of the purchase and the promotional period end date (minimum $5.00) rounded up to the nearest $1.00. If previous balance includes a Regular Revolving Plan or Promotional Credit Plan purchase, see your Credit Card Agreement for additional information regarding the minimum payment due. The total minimum payment due on your account will not be less than $25.00. Subject to credit approval.
+When making a minimum payment based on the purchase amount listed for the 12 month plan, you will pay the total amount listed based on the amount of purchase and it will take you 12 months to pay this amount in full.
++ When making a minimum payment based on the purchase amount listed for the 24 month plan, you will pay the total amount listed based on the amount of purchase and it will take you 24 months to pay this amount in full.
Apply Today
To apply for the Restoration Hardware Credit Card, or to review your existing account, click here. If approved for a Restoration Hardware card, your account will be valid immediately. If you choose to receive your account number online, please save it for your records. Your permanent card will arrive via USPS. Application is available to US residents only.
Already a Card Holder?
Manage your account online. You can pay a bill, view your statement, update personal information, add authorized buyers, or request a credit limit increase.