The RH Credit Card

Create an inspired home with the RH Credit Card.

Pick the promotional plan that works for you:

1. RH Members Program Preferred Financing Plans (annual membership fee required for both credit cardholders and non-credit cardholders)

  • Members of the RH Members Program can enjoy No Interest for 12 Months , 0.99% APR for 24 Months, 1.99% APR for 36 Months, 2.99% APR for 48 Months, or 3.99% APR for 60 Months
    25.24% Standard Variable Purchase Rate thereafter, if balance not paid in full within promotional period, which can occur if you fail to make a payment when due.*
  • No annual fee¹

2. Standard Financing Plans

  • 2.99% if Paid in Full in 12 Months, 3.99% APR if Paid in Full in 24 Months, 4.99% APR if Paid in Full in 36 Months, 5.99% APR if Paid in Full in 48 Months, 6.99% APR if Paid in Full in 60 Months
    25.24% Standard Variable Purchase Rate thereafter, if balance not paid in full within promotional period, which can occur if you fail to make a payment when due.*
  • No annual fee¹

3. Standard Revolving Line of Credit

  • No minimum purchase
  • No annual fee¹

Apply Today

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

For credit limit requests above $15,000, call 866.522.8014, 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.

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 Standard variable Purchase APR of 25.24%, based on the Prime Rate. Minimum interest is $1.00 per credit plan.

* Minimum payment set for repayment within the number of months of the plan, sooner for smaller balances. Minimum payment due on the account will not be less than $25.00. Minimum Interest Charge: $1.00 per credit plan. Subject to credit approval. Restoration Hardware Credit Card Accounts are offered by Comenity Bank which determines qualifications for credit and promotion eligibility. Offer subject to change without notice.


Frequently Asked Questions