Financing Options
Option 1
RH MEMBERS PROGRAM1
PREFERRED FINANCING
($200 annual RH Members Program fee required
for Preferred Financing offers)
- 0% APR for 12 Months with Equal Payments2
- 3.99% APR with 60 Monthly Payments3
Restrictions apply.
Option 2
Standard
Financing
(non-RH Member)
- 2.99% APR with 12 Monthly Payments4
- 6.99% APR with 60 Monthly Payments5
Option 3
RH Outlet
in-store Financing
(member and non-RH Member)
- 0% APR for 9 months with Equal Payments6
All RH Credit Card financing options7 include the following benefits:
Buy now, pay over time with the RH Credit Card
Revolving line of credit you can use for future purchases
24/7 online account management
Frequently Asked Questions
How do I apply for an RH Credit Card?
You can apply for an RH Credit Card here.
What are the benefits of membership?
RH Members enjoy 25% savings on all full-priced items and 20% savings on sale merchandise. Limited exclusions apply and are outlined in the RH Members Program Terms & Conditions.
Members also receive complimentary services with RH Interior Design.
Who is eligible to join?
Anyone may join the RH Members Program. The annual fee for enrollment is $200, plus applicable tax.
Trade customers, please visit our Trade Sales page for information on Trade accounts.
How much is the membership fee?
The annual membership fee is $200, plus applicable tax.
Is the membership based on a calendar or rolling year?
Membership is valid for one year from the date of purchase. If, for example, membership is purchased on 13 March, 2022, it will be valid until 13 March, 2023.
Are there membership subscription terms other than one year?
No. The RH Members Program has an initial subscription term of one-year. Subscriptions may be renewed thereafter for consecutive one-year terms.
Can I terminate my membership early and receive a refund if no purchases have been made?
Membership termination rights are explained in the RH Members Program Terms & Conditions. If you have additional questions about terminating your membership, please Contact Us.
Can I use my membership at RH Outlets?
No, RH Members Program benefits cannot be used at RH Outlets.
Can I place my orders online?
Yes, you can apply your member savings to your online order.
How do I access my membership online?
Membership is tied to your RH account. You can access your Member details within the My Account section of the site once you are logged in.
If you signed up in a gallery or through the Customer Service Center and you already have an RH.com account with the same email address, your membership will automatically be applied when you log in, and no additional action is required.
If you enrolled using a different email address than your RH.com account email address, you must first link your membership to your RH.com account by visiting the Membership section of your My Account page.
If you signed up in a gallery or through the Customer Service Center and you don't have an RH.com account, please create an account.
May I use my membership to purchase items to send to others (gifts or otherwise)?
Yes, you may place an order using your membership and have that order shipped to another recipient.
Will my membership automatically renew at the end of its term?
Yes, for residents of the U.K. your enrollment in the RH Members Program will automatically renew one year after you sign up unless you cancel your membership. More details can be found in the RH Members Program Terms & Conditions.
Can I be a member if I live abroad?
Yes, our international customers are welcome to join the membership program.
Do I have to pay for shipping?
Yes. There is no member benefit on shipping charges. Visit Shipping & Delivery for more information on shipping fees.
Who do I contact for further information or for account inquiries?
Please contact RH Credit Card Customer Service at 866.561.6450.
Where can I use my RH Credit Card to make purchases?
Use your RH Credit Card online for any orders shipping to the U.S., to purchase RH gift cards and to pay the RH Membership program fee. You may also use your card at any of our RH Galleries or RH Outlets located in the U.S. Unfortunately, the RH Credit Card is not available for use in RH Restaurants or Wine Bars.
How are purchases charged to my RH Credit Card?
In general, RH submits charges for authorization when an item ships, which is usually within two business days for in-stock items. If an item is temporarily unavailable, you will not be charged until it ships. For example: If you purchase three items, and each item ships on a different day, you would have three separate charges and payment plans.
Can I use the RH Credit Card in your Canadian galleries?
The RH Credit Card is not available for use in non-U.S. Galleries or for orders shipped outside of the U.S.
How can I check my credit limit and balance?
You can check your statement online on the My Account page or contact RH Credit Card Customer Service at 866.561.6450.
What if I don't have enough available credit to complete this purchase?
Please contact RH Credit Services at 800.573.7730.
Can I make an RH Credit Card payment online?
Of course. You can access your account 24/7 to make a payment, review your statements, update personal information, set up recurring payments and go paperless by visiting the My Account page.
Can I pay my bill in an RH Gallery?
We cannot accept payments in our Galleries, but you can access your account 24/7 to make a payment, review your statements, update personal information, set up recurring payments and go paperless by visiting the My Account page.
I just got my statement and there seems to be an error. Who should I contact?
Please contact RH Credit Card Customer Service at 866.561.6450.
I made a mistake when selecting my payment plan. Who should I contact?
If your order has not shipped yet, please contact RH Credit Services at 800.573.7730. Once your order has shipped and your RH Credit Card has been charged, please contact RH Credit Card Customer Service at 866.561.6450.
What is the payment address?
TD Bank
P.O. Box 100114
Columbia, SC 29202-3114
Are my online purchases secure?
Your security is important to us, and we guarantee that shopping at RH.com is safe - no matter which credit card you use. We employ SSL (Secure Socket Layer) encryption to protect your information.
How do I close my RH Credit Card account?
Please contact RH Credit Card Customer Service at 866.561.6450.
Terms & Conditions
1For a $200 annual fee, RH Member benefits include: 30% savings on all full-priced items*, additional 30% savings on all sale items, 25% savings on Waterworks items,* complimentary services with RH Interior Design and preferred financing with the RH Credit Card available. See RH Members Program Terms & Conditions. *Limited exclusions apply.
20% APR for 12 Months with Equal Payments: 0% APR from date of eligible purchase until paid in full. Monthly payment is the purchase amount divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 24.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. RH financing account issued by TD Bank, N.A.
33.99% APR with 60 Monthly Payments: 3.99% APR from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 24.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. RH financing account issued by TD Bank, N.A.
42.99% APR with 12 Monthly Payments: 2.99% APR from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 24.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. RH financing account issued by TD Bank, N.A.
56.99% APR with 60 Monthly Payments: 6.99% APR from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 24.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. RH financing account issued by TD Bank, N.A.
60% APR for 9 Months with Equal Payments: Outlet stores only 0% APR from date of eligible purchase until paid in full. Monthly payment is the purchase amount divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay off the promotional balance. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 24.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. RH financing account issued by TD Bank, N.A.
7Subject to credit approval. Restrictions apply. See above for details.
ALREADY A CARD HOLDER?
Manage your account online. You can pay a bill, view your statement, update personal information, add authorized buyers or request a credit limit increase.
Purchases made prior to 8/2/22 can be managed via your Legacy Account page.
Create an inspired home with the RH Credit Card.
Pick the promotional plan that works for you:
1. RH MEMBERS PROGRAM PREFERRED FINANCING PLANS (annual membership fee required for both credit cardholders and non-credit cardholders)
- Members of the RH Members Program can enjoy No Interest for 12 Months. After that, variable purchase APR of 25.24% on purchases of $348 or more made with your RH credit card.¹
- 0.99% APR for 24 months, 1.99% APR for 36 months, 2.99% APR for 48 months, or 3.99% APR for 60 months. After that, variable purchase APR of 24.99% on purchases of $700 or more made with your RH credit card.²
- No Interest for 9 Months. After that, variable purchase APR of 25.24% on purchases of $260 or more made in-store at U.S. Outlet locations with your RH credit card.⁴
- No annual fee⁵
2. STANDARD FINANCING PLANS
- 2.99% APR for 12 Months, 3.99% APR for 24 Months, 4.99% APR for 36 Months, 5.99% APR for 48 Months, or 6.99% APR for 60 Months. After that, variable purchase APR of 24.99% on purchases of $360 or more made with your RH credit card.³
- No Interest for 9 Months. After that, variable purchase APR of 25.24% on purchases of $260 or more made in-store at U.S. Outlet locations with your RH credit card.⁴
- No annual fee⁵
3. REGULAR PURCHASE CREDIT PLAN
- No minimum purchase
- No annual fee⁵
- Buy now, pay later with the RH Credit Card⁶
APPLY TODAY
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.
¹ Waived Interest, Equal Payment plan: Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. Minimum payments are required for each Credit Plan. *
² Low APR, Equal Payment plan: Interest will be charged to your Account at the reduced APR from the purchase date through the end of the promotional period. After the promotional plan expiration date, the variable purchase APR will apply. Minimum payments are required for each Credit Plan. * Available for RH Members Only.
³ Low APR, Equal Payment plan: Interest will be charged to your Account at the reduced APR from the purchase date through the end of the promotional period. After the promotional plan expiration date, the variable purchase APR will apply. Minimum payments are required for each Credit Plan. *
⁴ Waived Interest, Equal Payment plan: Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. Minimum payments are required for each Credit Plan. Offer only available at U.S. Outlet locations. *
*All Promotional Plans:
Valid for single transaction only. As of 4/2022, terms for new Accounts: Variable purchase APR of 25.24%. Minimum interest charge is 2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.
⁵ For new accounts, as of 4/2022 Variable Purchase APR of 25.24% based on the Prime Rate. Minimum Interest Charge is $2.00 per Credit Plan.
⁶ Minimum payments required each billing period. Interest will apply according to your regular credit terms.
Available to U.S. residents only.
Credit card offers are subject to credit approval.
RH Credit Card Accounts are issued by Comenity Bank.
ALREADY A CARD HOLDER?
Manage your account online. You can pay a bill, view your statement, update personal information, add authorized buyers or request a credit limit increase.
FREQUENTLY ASKED QUESTIONS
How do I apply for an RH Credit Card?
You can apply for an RH Credit Card at any RH Gallery in the US. Find the Gallery nearest you here.
Who do I contact for further information or for account inquiries?
Please contact RH Credit Card Customer Service at 866-522-8014 (TDD/TTY 800-695-1788).
Where can I use my RH Credit Card to make purchases?
Use your card online, or when placing an order via phone, for any orders shipping to the US. You may also use your card at any of our RH Galleries, RH Baby & Child Galleries, RH TEEN Galleries or RH Outlets located in the US. Unfortunately, the RH Credit Card is not available for use in our RH Restaurants or Wine Vaults.
How are purchases charged to my RH Credit Card?
In general, RH submits charges for authorization on the same day that it ships an item to you. For example: If you purchase three items, and if each item is shipped on a different day, then RH will submit a charge for authorization on the day the item is shipped for the purchase amount of the item, plus tax. In this example, you would have three separate promotional payment plans.
Can I use the RH Credit Card in your Canadian galleries
Unfortunately, the RH Credit Card is not available for use in Galleries or for orders placed on our websites and shipped outside of the US. However, the RH Credit Card is valid for use in all US Galleries and Outlets as well as on orders placed on our websites and shipped to the US.
How do I know how much I have available on my credit card?
To find out how much available credit is on your RH Credit Card account, please contact RH Credit Card Customer Service at 866-522-8014 (TDD/TTY 800-695-1788).
What if I don't have enough available credit on my account to complete this purchase?
Please contact RH Customer Service at 800-910-9836.
Can I make a RH Credit Card account payment online?
Absolutely. You can also review your statements and account status, update your personal information, add authorized users to your account and even request a credit limit increase. Just click on the RH Credit Card link at the bottom of this or any other page on our website, and follow the prompts to access your account.
Can I pay my bill in an RH Gallery?
We cannot accept payments in our Galleries, but you can manage your account and make payments online. Just click on the RH Credit Card link at the bottom of this or any other page on our website, and follow the prompts to access your account.
I just got my statement and the payment plan isn't what I thought it would be. Who should I contact?
Please contact RH Credit Card Customer Service at 866-522-8014 (TDD/TTY 800-695-1788).
I made a mistake when selecting my payment plan. Who should I contact?
If your order has not shipped yet, please contact RH Customer Service at 800-910-9836. Once your order has shipped and your RH Credit Card has been charged, please contact RH Credit Card Customer Service at 866-522-8014 (TDD/TTY 800-695-1788).
What is the payment address?
Comenity Bank
PO Box 659705
San Antonio, TX 78265-9705
Are my online purchases secure?
Your security is important to us, and we guarantee that shopping at rh.com is safe - no matter which credit card you use. We employ SSL (Secure Socket Layer) encryption to protect your information.
How do I close my RH Credit Card account?
Please contact RH Credit Card Customer Service at 866-522-8014 (TDD/TTY 800-695-1788).