RH CREDIT CARD
Create an inspired home with the RH Credit Card.
Pick the promotional plan that works for you:
ALL RH CREDIT CARD FINANCING PLANS INCLUDE THE FOLLOWING BENEFITS:
- Buy now, pay later with the RH Credit Card
- Revolving line of credit you can use for future purchases
- 24/7 online account management
1. RH MEMBERS PROGRAM1 PREFERRED FINANCING (annual RH Members Program fee required for Preferred Financing offers):
- 0% APR for 12 Months with Equal Payments2 Restrictions apply.
- 3.99% APR with 60 Monthly Payments3 Restrictions apply.
2. STANDARD FINANCING (non-RH Member):
- 2.99% APR with 12 Monthly Payments4 Restrictions apply.
- 6.99% APR with 60 Monthly Payments5 Restrictions apply.
3. RH OUTLET IN-STORE FINANCING (member and non-member):
- 0% APR for 9 months with Equal Payments6 Restrictions apply.
1For a $200 annual fee, RH Member benefits include: 25% savings on all full-priced items, additional 20% savings on all sale items, complimentary services with RH Interior Design and preferred financing with the RH Credit Card available. See RH Members Program Terms & Conditions.
20% APR for 12 Months with Equal Payments: 0% APR from date of eligible purchase until paid in full. Monthly payment is the purchase amount divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 24.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. RH financing account issued by TD Bank, N.A.
33.99% APR with 60 Monthly Payments: 3.99% APR from date of eligible purchase until paid in full. Monthly payment is the purchase amount divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 24.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. RH financing account issued by TD Bank, N.A.
42.99% APR with 12 Monthly Payments: 2.99% APR from date of eligible purchase until paid in full. Monthly payment is the purchase amount divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 24.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. RH financing account issued by TD Bank, N.A.
56.99% APR with 60 Monthly Payments: 6.99% APR from date of eligible purchase until paid in full. Monthly payment is the purchase amount divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 24.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. RH financing account issued by TD Bank, N.A.
60% APR for 9 Months with Equal Payments: Outlet stores only 0% APR from date of eligible purchase until paid in full. Monthly payment is the purchase amount divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 24.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. RH financing account issued by TD Bank, N.A.
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.
Purchases made prior to 8/2/22 can be managed via your Legacy Account page.
FREQUENTLY ASKED QUESTIONS
How do I apply for an RH Credit Card?
You can apply for an RH Credit Card here.
Who do I contact for further information or for account inquiries?
Please contact RH Credit Card Customer Service at 866.561.6450.
Where can I use my RH Credit Card to make purchases?
Use your RH Credit Card online for any orders shipping to the U.S., to purchase RH gift cards and to pay the RH Membership program fee. You may also use your card at any of our RH Galleries or RH Outlets located in the U.S. Unfortunately, the RH Credit Card is not available for use in RH Restaurants or Wine Bars.
How are purchases charged to my RH Credit Card?
In general, RH submits charges for authorization when an item ships, which is usually within two business days for in-stock items. If an item is temporarily unavailable, you will not be charged until it ships. For example: If you purchase three items, and each item ships on a different day, you would have three separate charges and payment plans.
Can I use the RH Credit Card in your Canadian galleries?
The RH Credit Card is not available for use in non-U.S. Galleries or for orders shipped outside of the U.S.
How can I check my credit limit and balance?
You can check your statement online at My Account or contact RH Credit Card Customer Service at 866.561.6450.
What if I don't have enough available credit to complete this purchase?
Please contact RH Credit Services at 800.573.7730.
Can I make an RH Credit Card payment online?
Of course. You can access your account 24/7 to make a payment, review your statements, update personal information, set up recurring payments and go paperless by visiting your My Account page.
To make payments on purchases made prior to 8/2/22, please visit your Legacy Account page.
Can I pay my bill in an RH Gallery?
We cannot accept payments in our Galleries, but you can access your account 24/7 to make a payment, review your statements, update personal information, set up recurring payments and go paperless by visiting your My Account page.
I just got my statement and there seems to be an error. Who should I contact?
Please contact RH Credit Card Customer Service at 866.561.6450.
I made a mistake when selecting my payment plan. Who should I contact?
If your order has not shipped yet, please contact RH Credit Services at 800.573.7730. Once your order has shipped and your RH Credit Card has been charged, please contact RH Credit Card Customer Service at 866.561.6450.
What is the payment address?
TD Bank
P.O. Box 100114
Columbia, SC 29202-3114
Are my online purchases secure?
Your security is important to us, and we guarantee that shopping at RH.com is safe - no matter which credit card you use. We employ SSL (Secure Socket Layer) encryption to protect your information.
How do I close my RH Credit Card account?
Please contact RH Credit Card Customer Service at 866-561-6450.