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  Restoration Hardware Credit Card

Restoration Hardware Credit Card

in Personal Credit Cards from Comenity

Unaffiliated

Restoration Hardware Credit Card

Unaffiliated

in Personal Credit Cards from Comenity

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Highlights
Purchase APR  (Variable APR) Up to 27.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Restoration Hardware Credit Card Review

Restoration Hardware Credit Card is a store credit card issued by Comenity. If you're wondering whether Restoration Hardware Credit Card is the right card for you, read on. This is everything you need to know 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 24 months.
  • 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 stand a chance of qualifying if your credit score is not below 650.
Restoration Hardware Credit Card Pros & Cons
The Good The Bad
  • No annual fee
  • Special financing available.
  • 0% APR on new purchases during the first 24 months.
  • No annual fee.
  • Restoration Hardware Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Restoration Hardware Credit Card FAQ

Is there a Restoration Hardware Credit Card cash back or rewards program?

No, Restoration Hardware Credit Card does not offer a rewards program.

What are the relevant APRs for Restoration Hardware Credit Card?

Restoration Hardware Credit Card has a variable purchase APR of up to 27.24%.

Does Restoration Hardware Credit Card have an introductory APR offer on balance transfers?

No, Restoration Hardware Credit Card does not come with an introductory APR offer for balance transfers.

Does Restoration Hardware Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0.99% on qualified purchases for a period of up to 24 months.

Restoration Hardware Credit Card Purchase Intro Offer
Description
Introductory Rate 0.99%
Purchase Intro APR Period 24 months

What are the fees for Restoration Hardware Credit Card?

The following fees apply to Restoration Hardware Credit Card:

Restoration Hardware Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $38
Late Payment Fee up to $38

Does Restoration Hardware Credit Card report your account activity to credit bureaus?

Yes, Restoration Hardware 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 Restoration Hardware Credit Card

  • Visit the Restoration Hardware 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

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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

Introductory Rate 0.99%
Purchase Intro APR Period (Variable APR) 24 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Interest Charge $2
Returned Payment Fee Up to $38
Late Fee Amount Up to $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 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Limit Up to $0. 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.
Purchase APR (Variable APR) Up to 27.24%
Card Type
  • Store Card
Card Network Other

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SUPERMONEY NET RECOMMENDATION SCORE

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.