1
Benefits0
Reward Categories—
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 1 Total
PENDINGFinancing 1
Special Financing Offers
Varies by offerCardholders can access special promotional financing offers on qualifying purchases made at Arhaus. Specific terms and conditions, including interest rates and promotional periods, apply and vary by offer.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Arhaus Credit Card (v2) primarily offers special financing promotions (e.g., 0% APR for X months on qualifying purchases) rather than traditional sign-up bonuses. New cardholders may receive an initial discount on their first purchase. Eligibility requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Tax Identification Number (ITIN), and possess a verifiable income. Approval is contingent on creditworthiness, though Synchrony is often more lenient for store cards. The card is subject to store-specific restrictions, meaning it is primarily for purchases made at Arhaus stores or arhaus.com.
Max Cards Per Issuer: 7
Min Spend Interval: Not applicable for traditional sign-up bonuses; promotional financing terms apply to specific purchases at the time of sale.
Cliff Effect Rules: Arhaus credit cards do not typically have complex 'card family' or 'once-per-lifetime' bonus rules. The primary 'cliff effect' relates to the expiration of promotional financing periods, where deferred interest (if applicable) or standard APR will apply if the balance is not paid in full by the promotional end date.
Special Events: Arhaus frequently offers special financing promotions tied to new product launches, seasonal collections, store anniversary sales, clearance events, and exclusive cardholder-only offers (e.g., additional discounts or extended financing terms).
Holiday Promos: Key promotional periods include Black Friday/Cyber Monday (late November), Christmas/New Year (December-January), Memorial Day (May), 4th of July (July), and Labor Day (September), as well as various spring and fall home furnishing sales events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Excellent financing options for large furniture purchases; good for loyal Arhaus shoppers.
Top Negative:
High APR if promotional financing isn't paid off; limited use outside Arhaus; can be a hard credit pull for a store card.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Synchrony Lowe's Advantage Card
- Wayfair Credit Card
- Chase Freedom Flex
Card Value Score: 55.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0