RH Credit Card
Take all the Credit ... and the Awards too! With a Restoration Hardware credit card in hand, there's no reason to put off that purchase you may be contemplating. Our credit card confers these benefits:
- RH Awards. For every dollar you charge on your RH Credit Card, you earn points towards special Awards Certificates. The RH Awards Program is provided by RH which is solely responsible for the program operation. RH may change the terms of the program at any time. Find out more.
- Customized, Promotional Credit Plans. Periodically, throughout the year, we may offer promotional interest plans such as:
- Deferred Interest Payment Option. Spend $1000 or more on your Restoration Hardware credit card and pay no interest if the balance is paid in full within 12 months.¹
- Equal Payment Plans. With a purchase of $2000, spread your payments out into equal amounts at a very attractive 9.9% interest rate.²
To apply 3 for the RH Credit Card or to review your existing account, please click here. If you're approved, your account is ready to be used immediately. If you choose to receive your account number online, please remember to write it down so that you can use it prior to your permanent credit card arriving via mail.
ALREADY A CARD HOLDER?
Click here to manage your account online, bill payment, statement and account access, update personal information, add authorized buyers or request a credit limit increase.
| LOW APR/EQUAL PAYMENT MONTHLY PAYMENT ESTIMATES* | ||||
| Amount of Purchase | Duration of Payment Plan | |||
| 12 Mos. | 24 Mos. | |||
| $2,000 | $177 | N/A | ||
| $3,000 | $266 | $140 | ||
| $4,000 | $354 | $186 | ||
| $5,000 | $443 | $233 | ||
| $6,000 | $531 | $279 | ||
| $7,000 | $620 | $326 | ||
| $8,000 | $708 | $372 | ||
| $9,000 | $797 | $419 | ||
| $10,000 | $885 | $465 | ||
For more information regarding the RH Credit Card, please click here.
¹ Deferred Interest Promotional Credit Plan: Subject to credit approval. When you use your Restoration Hardware credit card account, Interest will be charged to your account from the date of purchase if the purchase balance is not paid in full by 12 months from date of purchase (minimum $1,000 purchase required) or if you fail to make any payment when due. Payments are required during the promotional period (as described in your credit card agreement). After the promotional period APR will be 22.8%. Minimum monthly Finance Charge of $1.00.
² Low Interest Equal Payment Promotional Credit Plan: Subject to credit approval. When you use your RH credit card account, Finance Charges are assessed on promotional credit plan purchases from the date of purchase through the end of the promotional period. The minimum payment 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 (See monthly Payment Estimate Chart located to the left) rounded up to the nearest whole dollar. If the promotional credit plan purchase is not paid in full before the promotional period ends or regular revolving and/or any promotional plan payments are not paid when required for two consecutive billing cycles, under this or any other Restoration Hardware promotional credit plan, the remaining balance will be included in your regular revolving balance and regular credit terms will apply. During the promotional period, the promotional credit plan purchase is subject to an APR of 9.9%. After the promotional period ends regular credit terms will apply and accounts are subject to an APR of 22.8%, minimum monthly FINANCE CHARGE of $1.00. Minimum $2000 purchase required for 12 month plan; minimum $3000 purchase required for 24 month plan.
3 Application available to U.S. residents only.
* The minimum payment due shown reflects the amount due if your previous balance is zero. Purchase must be made using the RH credit card. If previous balance is not zero, the minimum payment due will be the greater of: (a) $15.00; or (b) 3.3% (rounded to the nearest whole dollar) of the New Balance shown on your Statement. Subject to credit approval.