Arhaus Archarge Credit Card

Arhaus Archarge Credit Card Review

This is a store credit card issued by Comenity Bank. If you're wondering whether Arhaus Archarge Credit Card is the right card for you, read on.

Key Takeaways

• Earn $100 back in rewards dollars. For every $1,500 spent in qualifying purchases on your Arhaus Archarge Credit Card**
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 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 odds if your credit score is above 650.

Pros & Cons of Arhaus Archarge 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. No annual fee. Arhaus Archarge Credit Card reports to multiple credit bureaus.	High interest rates. Higher than average purchase APRs. Does not offer rewards or cash back. Does not include many credit card benefits.

Arhaus Archarge Credit Card FAQ

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

No, it does not offer a rewards program.

What are the Arhaus Archarge Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Arhaus Archarge 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. This card has higher than average regular APRs.

Arhaus Archarge Credit Card has a variable purchase APR of 29.99%.

What are the fees for Arhaus Archarge Credit Card?

The following fees apply:

Arhaus Archarge Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	$41
Late Payment Fee	$41

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

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

Yes, Arhaus Archarge 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 Archarge Credit Card

• Visit the Arhaus Archarge 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.