RH Credit Card Review

This is a store credit card issued by Comenity. If you're wondering whether RH 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.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 24.99%
• 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 600.

The Good

The Bad

Special financing for 12 to 60 monthson purchases No annual fee. Considers applicants with fair or poor credit. RH Credit Card reports to multiple credit bureaus.

If the balance is not paid in full in the specific promotional period or if you fail to make any payment when due, regular credit terms will apply and interest will be imposed from the end of the promotional period Higher than average purchase APRs. 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.

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

No, it does not offer a rewards program.

What are the relevant APRs for RH 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 higher than average regular APRs.

It has a variable purchase APR of 24.99%.

What are the fees for RH Credit Card?

The following fees apply:

RH 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.

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

Yes, RH 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 RH Credit Card

• Visit the RH 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.