The RH Credit Card

Create an inspired home with the RH Credit Card.

We offer 3 types of custom financing plans:

1. Introducing RH Financing

  • 5.99% Low APR¹
  • Fixed equal payments for 24, 36, 48, 60, 72 or 84 months
  • $3,000 minimum purchase
  • No annual fee4

2. 12-Month Deferred Interest Financing

  • No interest if paid in full within 12 months²
  • Earn RH Rewards³
  • $1,000 minimum purchase
  • No annual fee4

3. Standard Revolving

  • Earn RH Rewards³
  • No minimum purchase
  • No annual fee4

Apply Today

To apply online for credit limits up to $15,000, click here.

For credit limit requests above $15,000, call 866-374-0586, or apply in one of our Galleries. Find the Gallery nearest you here.

RH Credit Card Accounts are offered by Comenity Bank who determines qualifications for credit eligibility. If approved for an RH Credit 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 U.S. residents only.

RH Rewards³

12-Month Deferred Interest Financing and Standard Revolving purchases earn one point for every dollar spent. Points are awarded on all RH, RH Baby & Child and Outlet purchases (net of returns and credits). You will receive a $25 Rewards certificate for every $500 you spend (i.e., 500 points you accumulate) during a calendar year. Points are valid for 12 months from the date of purchase. Rewards Certificates are valid for 90 days from date of issuance.

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.

¹ 5.99% APR if paid in full in 24, 36, 48, 60, 72 or 84 months. If the balance is not paid in full within the promotional period or if you fail to make any payment when due, regular credit terms will apply and interest will be imposed from the end of the promotional period at the standard, variable APR of 24.99%, based on the Prime Rate. Minimum monthly payments for this plan during the promotional period will be the greater of: 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 in the promotional period, (rounded up to the nearest $1.00); or $5. Required minimum purchase of $3,000. Subject to credit approval.

² Interest will be charged to your account (at the standard, variable APR of 24.99%) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of $1,000. Subject to credit approval.

³ The RH Rewards Program is provided by RH, which is solely responsible for the program operation. RH may change the terms of the program at any time. For more information about RH Rewards, contact RH Credit Card Customer Service at 866-522-8014 (TDD/TTY 800-695-1788).

4 Standard variable APR of 24.99%, based on the Prime Rate. Minimum Interest is $1.00 per credit plan.


Frequently Asked Questions