Arhaus Credit Card
Basic Information
Program ID: arhaus-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:48
Last Scraped: 01/15/2026 13:50
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: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,299.00% - 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: 3,199.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 30 days
Bonus Timing: Discount is typically applied at the point of sale when the qualifying first purchase is made using the new Arhaus Credit Card.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 0.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Arhaus Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Store credit typically expires 12 months after issuance.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility requires applicants to be 18+ years old, a US resident, possess a valid SSN/ITIN, and meet Synchrony's creditworthiness criteria (typically good to excellent credit). The primary 'bonus rule' for the Arhaus credit card is access to special promotional financing offers (e.g., 0% APR for X months) on qualifying purchases, rather than traditional points or cash back sign-up bonuses. These are deferred interest promotions, meaning interest accrues from the purchase date if the balance is not paid in full by the end of the promotional period.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Promotional financing offers typically require a minimum purchase amount (e.g., $999, $1999) to qualify for specific financing terms (e.g., 6, 12, 24, 36, or 48 months). The 'interval' refers to the duration of this promotional APR period.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, missed payments, defaulting on any Synchrony account, suspected fraudulent activity, excessive credit-seeking behavior (numerous applications in a short period), or significant adverse changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Special financing options allow large purchases to be made more affordable over time; exclusive discounts and promotional offers for Arhaus shoppers.
Top Negative Feedback:
High deferred interest rates if promotional balance is not paid in full; customer service issues reported for Synchrony Bank; limited utility outside of Arhaus purchases.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Lowe's Advantage Card
- Amazon Prime Rewards Visa Signature Card
- Wells Fargo Active Cash Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $75.00
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: v1.0