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  RH Credit Card

RH Credit Card

in Personal Credit Cards from Comenity

Unaffiliated

RH Credit Card

Unaffiliated

in Personal Credit Cards from Comenity

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Highlights
Highlights
Purchase APR  (Variable APR) Up to 27.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 550 - 850
Annual Fee $0

RH Credit Card Review

RH Credit Card 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 is everything you need to know to make a good choice.

Key takeaways:

  • 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.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

RH Credit Card Pros and Cons:

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
  • 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 rewards.

Is there a RH Credit Card cash back or rewards program?

No, RH Credit Card does not offer a rewards program.

What are the relevant APRs for RH Credit Card?

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

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

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

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

RH Credit Card does not offer an introductory rate on new purchases.
RH Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for RH Credit Card?

The following fees apply to RH Credit Card:

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

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

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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Contact

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

About RH Credit Card

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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

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
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 550 - 850
Card Type Store Card
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Balance Computation daily balance
Purchase APR (Variable APR) Up to 27.24%

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SUPERMONEY NET RECOMMENDATION SCORE

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