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. After that, variable purchase APR of 27.24% on purchases of $360 or more made with your RH credit card.¹
  • 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. After that, variable purchase APR of 26.49% on purchases of $360 or more made with your RH credit card.²
  • No Interest for 9 Months. After that, variable purchase APR of 26.49% on purchases of $360 or more made in-store at U.S. Outlet locations with your RH credit card.³
  • No annual fee⁴

2. Standard Financing Plans

  • 2.99% APR for 12 Months, 3.99% APR for 24 Months, 4.99% APR for 36 Months, 5.99% APR for 48 Months, or 6.99% APR for 60 Months. After that, variable purchase APR of 26.49% on purchases of $1000 or more made with your RH credit card.⁵
  • No Interest for 9 Months. After that, variable purchase APR of 26.49% on purchases of $360 or more made in-store at U.S. Outlet locations with your RH credit card.³
  • No annual fee⁴

3. Regular Purchase Credit Plan

  • No minimum purchase
  • No annual fee⁴

Apply Today

To apply online for credit limits up to US $30,000, click here.

For credit limit requests above US $30,000, call 866.522.8014, or apply in one of our galleries. Find the gallery nearest you here.

¹ Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. Minimum payments are required for each Credit Plan. The minimum payment for this Credit Plan will be the purchase amount divided by the promotional period length, rounded up to the nearest $1 (minimum $5). The sum of the required payments each billing period won’t be less than $30 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid paying interest. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Must be an RH Member to qualify for this promotional plan. Subject to credit approval. As of 10/2019, terms provided for New Accounts: Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

² Interest will be charged to your Account from the purchase date at the reduced APR. Minimum payments are required for each Credit Plan. The Minimum payment for this Credit Plan will be an amount equal to a percentage of the promotional purchase amount, which percentage will be based on the reduced APR and the length of the promotional period, rounded up to the nearest $1 (minimum $5). The sum of the required payments each billing period won’t be less than $30 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid paying interest at the purchase APR. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Must be an RH Member to qualify for this promotional plan. Subject to credit approval. As of 10/2019, terms provided for New Accounts: Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

³ Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. Minimum payments are required for each Credit Plan. The minimum payment for this Credit Plan will be the purchase amount divided by the promotional period length, rounded up to the nearest $1 (minimum $5). The sum of the required payments each billing period won’t be less than $30 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid paying interest. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Only valid at purchases made at U.S. Outlet locations in-store. Subject to credit approval. As of 10/2019, terms provided for New Accounts: Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

Click here for important rate, fee and other cost information.

⁵ Interest will be charged to your Account from the purchase date at the reduced APR. Minimum payments are required for each Credit Plan. The Minimum payment for this Credit Plan will be an amount equal to a percentage of the promotional purchase amount, which percentage will be based on the reduced APR and the length of the promotional period, rounded up to the nearest $1 (minimum $5). The sum of the required payments each billing period won’t be less than $30 (or Account balance if less). Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid paying interest at the purchase APR. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Outlet purchases. Subject to credit approval. As of 10/2019, terms provided for New Accounts: Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

Available to U.S. residents only.

RH Credit Card Accounts are issued by Comenity Bank.

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