The RH Credit Card

Create an inspired home with the RH Credit Card.

We offer 3 types of financing* options:

1. 0% Interest for up to 24 Months¹

  • Interest will be charged to your account from the end of the promotional period at the standard, variable purchase APR of 25.24% on the remaining balance if the purchase balance is not paid in full within the promotional period or if you make a late payment. Equal payments required.
  • Required minimum purchase of $5,000 for 24-month plan and $1,000 for 12-month plan
  • No annual fee²

2. 2.99% APR Financing for 60 Months³

  • 2.99% APR if paid in full in 60 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 purchase APR of 25.24%
  • Required minimum purchase of $3,000
  • No annual fee²

3. Standard Revolving

  • Earn RH Rewards**
  • No minimum purchase
  • No annual fee²

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.

**RH Rewards

This Rewards program is provided by RH, and its terms may change at any time. Standard Revolving purchases earn one point for every dollar spent. Points are awarded on all RH, RH Modern, RH TEEN, 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 Interest will be charged to your account (at the standard, variable Purchase APR) from the end of the promotional period on the remaining balance if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase divided by the number of months in the promotional period (rounded up to the nearest $1.00); or $5.*

² Standard variable Purchase APR of 25.24%, based on the Prime Rate. Minimum interest is $1.00 per credit plan.

³ 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 Purchase 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.*

* 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 $25.00. Minimum Interest Charge is $1.00 per credit plan. Standard variable Purchase APR of 25.24%, based on the Prime Rate. Subject to credit approval and availability. Account must be in good standing at time of transaction. Offer subject to change without notice.


Frequently Asked Questions