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  Arhaus Credit Card

Arhaus Credit Card

in Personal Credit Cards from Comenity

Unaffiliated

Arhaus Credit Card

Unaffiliated

in Personal Credit Cards from Comenity

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Highlights
Purchase APR  (Variable APR) 0% - 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 840
Annual Fee $0

Arhaus Credit Card Review

This is a store credit card issued by Comenity. If you're wondering whether Arhaus Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 48 months.
  • Signup bonus. Offers a signup bonus of $100 if you spend $1500.
  • Competitive APRs. Arhaus Credit Card has a variable purchase APR that ranges from 0% up to 29.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Arhaus Credit Card
The Good The Bad
  • Earn $100 back in rewards dollars for every $1,500 spent in qualifying purchases on your Arhaus Archarge Credit Card.
  • Enjoy 6 month special financing
  • No annual fee.
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 48 months.
  • No annual fee.
  • Arhaus Credit Card reports to multiple credit bureaus.
  • High interest rates.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Arhaus Credit Card FAQ

Does Arhaus Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

  • Retail

What are the Arhaus Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Arhaus Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 0% up to 29.99%.

Does Arhaus Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Arhaus Credit Card have an intro APR offer on new purchases?

Arhaus Credit Card Purchase Intro Offer
Description
Introductory Rate 0.99%
Purchase Intro APR Period 48 months

This card does offer an intro APR rate of 0.99% on qualified purchases for a period of up to 48 months.

What are the fees for Arhaus Credit Card?

The following fees apply:

Arhaus Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee $38
Late Payment Fee $38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Arhaus Credit Card report your account activity to credit bureaus?

Yes, Arhaus Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Arhaus Credit Card

  • Visit the Arhaus Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   12921 South Vista Station Boulevard
    Salt Lake County
    Draper, UT 84020
  •   Visit Site

Hours of Operation

  • Sunday 9:00am - 5:00pm
  • Monday 7:00am - 11:00pm
  • Tuesday 7:00am - 11:00pm
  • Wednesday 7:00am - 11:00pm
  • Thursday 7:00am - 11:00pm
  • Friday 7:00am - 11:00pm
  • Saturday 9:00am - 5:00pm

Other Services by Comenity

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View all personal credit cards offered by Comenity

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Plan Options: Minimum Purchase Interest 6 months $399 No interest if paid in full within 6 months* 12 months $2500 No interest if paid in full within 12 months* Revolving No Minimum 29.99% (Standard Variable APR)
Introductory Rate 0.99%
Purchase Intro APR Period (Variable APR) 48 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Returned Payment Fee $38
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 840
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Retail
Signup Bonus Starting at $100
Balance Computation Daily Balance
Purchase APR (Variable APR) 0% - 29.99%
Card Type
  • Store Card
Card Network Other

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