The Restoration Hardware Credit Card

Create an inspired home with the Restoration Hardware credit card.

Cardholder Benefits

  • Special financing options for qualifying purchases.¹
  • One point earned for every dollar spent*.² ³
  • Points awarded on all of your Restoration Hardware or Restoration Hardware Baby & Child purchases (net of returns and credits).³
  • A $25 Rewards certificate for every $500 you spend (ie, 500 points you accumulate) during a calendar year.³
  • Convenient online account management, including bill pay.
  • No annual fee.4

Restoration Hardware Rewards
For questions about Restoration Hardware Rewards, please contact Restoration Hardware Credit Card Customer Service at 866-522-8014 (TDD/TTY 800-695-1788).

* The Restoration Hardware Rewards Program is provided by Restoration Hardware, which is solely responsible for the program operation. Restoration Hardware may change the terms of the program at any time. Learn more.

¹ See Special Financing Options or visit a store for details.

² Learn more about Restoration Hardware Rewards.

³ Does not apply to Low APR Equal Payments Required option.

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

Special Financing Options

  • Low APR Equal Payments Required
    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.

    Restoration Hardware Credit Card Accounts are offered by Comenity Bank who 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. Standard variable APR of 24.99%, based on the Prime Rate.

  • No Interest if Paid in Full Within 12 Months
    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. Subject to credit approval.

    Restoration Hardware Credit Card Accounts are offered by Comenity Bank who 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. Standard variable APR of 24.99%, based on the Prime Rate.

  • Standard Revolving Credit
    Restoration Hardware Credit Card Accounts are offered by Comenity Bank who 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. Standard variable APR of 24.99%, based on the Prime Rate.

Apply Today

Apply now for the Restoration Hardware Credit Card, or review your existing account here. Comenity Bank issues Restoration Hardware credit card accounts. If approved for a Restoration Hardware 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 US 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.

Frequently Asked Questions