Restoration Hardware Credit Card

BreadFinance Pending

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8

Benefits

2

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: restoration-hardware-credit-card

Issuer: BreadFinance

Card Name: Restoration Hardware Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:48

Last Scraped: Feb 07, 2026 03:33

Apply URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
RH Purchases 2x Points Net Eligible Purchases made at RH (Restoration Hardware) No Cap
All Other Purchases 1x Points Net Eligible Purchases made everywhere Visa is accepted No Cap
Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 8 Total
PENDING
Rewards Program Terms 1
Forfeiture of Unredeemed Rewards upon Account Closure
N/A

Any unredeemed Rewards will be forfeited if your Account is closed for any reason.

Shopping 7
RH Credit Card Rewards Rate (RH Purchases)
2.5% in Rewards

Earn 2.5% in Rewards for every $1.00 of eligible net purchases made at RH, RH Baby & Child, RH Teen, RH Modern, RH Outlet, and RH Hospitality locations (including RH Restaurants, RH Cafes, and RH Wine Vaults) and online at rh.com, rhbabyandchild.com, rhteen.com, and rhmodern.com with the RH Credit Card.

RH Visa Credit Card Rewards Rate (RH Purchases)
2.5% in Rewards

Earn 2.5% in Rewards for every $1.00 of eligible net purchases made at RH, RH Baby & Child, RH Teen, RH Modern, RH Outlet, and RH Hospitality locations (including RH Restaurants, RH Cafes, and RH Wine Vaults) and online at rh.com, rhbabyandchild.com, rhteen.com, and rhmodern.com with the RH Visa Credit Card.

RH Visa Credit Card Rewards Rate (Everywhere Else)
1% in Rewards

Earn 1% in Rewards for every $1.00 of eligible net purchases made everywhere Visa credit cards are accepted, outside of RH locations, with the RH Visa Credit Card.

Rewards Certificate Issuance
$10 Certificate for every 1,000 Rewards (up to $500 per Certificate)

Rewards are issued as Rewards Certificates. For every 1,000 Rewards earned, a $10 Certificate is issued. Certificates are issued in $10 increments, up to a maximum of $500 per Certificate. Certificates are mailed to your billing address or sent electronically to your email address on file.

Rewards Certificate Expiration
180 days

Rewards Certificates expire 180 days from the date of issuance.

Rewards Certificate Usage
Applicable to RH purchases

Certificates may be used for purchases at RH, RH Baby & Child, RH Teen, RH Modern, RH Outlet, and RH Hospitality locations and online at rh.com, rhbabyandchild.com, rhteen.com, and rhmodern.com. Certificates may be combined with other offers and promotions unless otherwise stated, and may be combined with other Certificates up to the total purchase amount.

Rewards Certificate Restrictions
N/A

Certificates may not be used for prior purchases, gift cards, or services such as shipping, delivery, or installation. Certificates are not redeemable for cash, have no cash value, are not transferable, and lost or stolen Certificates will not be replaced. Certificates may not be used to pay your Account balance.

Benefits Summary (Flags)
PENDING

Extended 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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Restoration Hardware Credit Card, issued by BreadFinance, is a store-specific credit product. Eligibility requires applicants to be at least 18 years of age (19 in AL/NE), a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and pass a creditworthiness assessment. BreadFinance typically pulls credit reports from Experian or TransUnion. For 2026, new cardholders can expect an initial incentive, such as a percentage off their first qualifying RH purchase (e.g., 10-20%). Ongoing benefits include earning a percentage back in rewards on eligible Restoration Hardware purchases (e.g., 10% back) or access to special financing offers (e.g., 0% APR for 12-24 months on qualifying large purchases). Rewards are typically issued as certificates redeemable at RH.

Max Cards Per Issuer: 1

Min Spend Interval: Not applicable for a traditional sign-up bonus; rewards are earned on an ongoing basis for eligible purchases.

Shutdown Risk Triggers: Late payments, defaulting on any BreadFinance/Comenity account, unusual spending patterns inconsistent with typical RH purchases, suspected fraud, excessive returns, or high cumulative credit exposure across multiple BreadFinance accounts.

Cliff Effect Rules: No traditional 'card family' or 'once-per-lifetime' bonus rules apply. Benefits (e.g., higher reward tiers, special financing access) are tied to active account status and spending within the RH ecosystem. Closing the card will result in forfeiture of any unredeemed rewards.

Special Events: Exclusive early access to new collections, members-only sales events, bonus reward days (e.g., earn 2x or 3x rewards on specific categories or during certain periods), and invitations to private RH events.

Holiday Promos: Black Friday/Cyber Monday, Memorial Day, Labor Day, Fourth of July, President's Day, and year-end holiday sales (November-December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Exclusive discounts and financing options for loyal Restoration Hardware shoppers. Relatively accessible for various credit profiles.

Top Negative:
High interest rates and limited utility outside of Restoration Hardware. Some users report issues with customer service.

Approval Experience: 72.5 / 100

Recommended Alternatives
  • Williams Sonoma Credit Card
  • Wayfair Credit Card
  • Chase Freedom Unlimited

Card Value Score: 68.0 / 100

Est. Annual Rewards: $125.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0