The RH Credit Card

Create an inspired home with the RH Credit Card.

We offer 3 types of financing options:

1. Introducing RH Financing¹

  • 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.²
  • $3,000 minimum purchase
  • No annual fee³

2. 12-Month Deferred Interest Financing

  • No interest if paid in full within 12 months4. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months or if you make a late payment.
  • $1,000 minimum purchase
  • No annual fee

3. Standard Revolving

  • Earn RH Rewards
  • No minimum purchase
  • No annual fee

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, which 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 Rewards

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. RH promotional financing plans do not qualify for rewards.

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 Promotional financing available with Restoration Hardware Credit Card Accounts offered by Comenity Bank, which determines qualifications for credit and promotion eligibility. Minimum purchase and minimum monthly payments are required.

² 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.

³ Standard variable APR of 24.99%, based on the Prime Rate. Minimum Interest is $1.00 per credit plan.

4 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 for 12 months required.

RH Credit Card Accounts are offered by Comenity Bank, which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $25. Minimum Interest Charge is $1.00 per credit plan. Standard variable APR of 24.99%, based on the Prime Rate.


Frequently Asked Questions