Arhaus Archarge Credit Card
Basic Information
Program ID: arhaus-archarge-credit-card
Issuer: BreadFinance
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 14:44
Last Scraped: 01/15/2026 14:46
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 0.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Based on typical Comenity store card offerings for Arhaus, the primary welcome offer is a percentage off the first purchase, applied instantly at checkout. No traditional points/cash sign-up bonus with a specific spending requirement was found on the provided page as of January 2026.
Rewards Program
Reward Type: Promotional Discounts & Special Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Arhaus Archarge Credit Card primarily offers special financing options and exclusive cardholder discounts on Arhaus purchases, rather than a traditional points-based rewards program.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - This card does not offer a traditional points program. Promotional discounts and special financing offers will have their own specific terms and expiration dates as advertised.
Transfer Partners: N/A - This is a private label store credit card and does not offer transfer partners.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The Arhaus Archarge Credit Card, issued by BreadFinance, is a private label store credit card exclusively for purchases at Arhaus stores and arhaus.com. For 2026, typical eligibility requirements are expected to include: U.S. residency, age 18 or older, a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and sufficient creditworthiness (generally good to excellent credit is preferred, though some store cards may approve with fair credit). Income verification may be required. Bonus rules for 2026 are projected to focus on special financing offers, such as 0% APR for a specified period (e.g., 12, 24, 36, or 48 months) on qualifying purchases above a certain threshold (e.g., $999, $1999, $2999). These offers typically require minimum monthly payments and accrue deferred interest if the promotional balance is not paid in full by the end of the period. A common sign-up incentive might also include a percentage discount (e.g., 10-15%) on the first purchase made with the card, or a fixed dollar amount off a large purchase.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: N/A (Bonuses typically apply to first purchase or qualifying purchases for special financing)
Shutdown Risk Triggers: Late or missed payments, high credit utilization on the Arhaus card, defaulting on other BreadFinance accounts, bankruptcy, suspected fraudulent activity, or a significant deterioration in overall credit profile. While manufactured spending is not applicable to a store-specific card, high cumulative credit exposure across multiple BreadFinance private label cards could lead to credit limit reductions or account review.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Offers special financing for large purchases at Arhaus, exclusive discounts for loyal customers, and a straightforward application process.
Top Negative Feedback:
High APR, limited to Arhaus purchases only, customer service can be difficult to reach, and deferred interest can be a trap.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Pottery Barn Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- Chase Freedom Unlimited
Card Value Score: 55.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024