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  Restoration Hardware Credit Card
Restoration Hardware Credit Card

in Personal Credit Cards from Comenity Bank

Unaffiliated

Restoration Hardware Credit Card

Unaffiliated

in Personal Credit Cards from Comenity Bank

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Highlights
Purchase APR  (Variable APR) Up to 24.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Restoration Hardware Credit Card Review

This is a store credit card issued by Comenity Bank. If you're wondering whether Restoration Hardware 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 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 will have good approval odds if your credit score is above 650.
Pros & Cons of Restoration Hardware Credit Card
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

Does Restoration Hardware Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Restoration Hardware Credit Card?

It has a variable purchase APR of up to 24.99%.

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

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

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

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

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

What are the fees for Restoration Hardware Credit Card?

The following fees apply:

Restoration Hardware Credit Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $40
Late Payment Fee up to $40

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

What is the support contact email for Restoration Hardware Credit Card?

The support contact email for Restoration Hardware Credit Card is info@rh.com.

How do people rate the customer service and user experience of Restoration Hardware Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

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 Bank

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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 $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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
Balance Computation daily balance (including current transactions)
Credit Limit Up to $30,000
Purchase APR (Variable APR) Up to 24.99%
Card Type
  • Store Card
Card Network Other

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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.