RH World Mastercard
Basic Information
Program ID: restoration-hardware-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: World
Data Complete: Yes
Created: 01/10/2026 09:48
Last Scraped: 01/15/2026 10:20
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 3,224.00% - 3,224.00%
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: 3,224.00%
Sign-Up Bonus
Bonus Amount: $5,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Points typically post to your RH Rewards account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 0.00%
Bonus Reward Rate: 20.00%
Bonus Categories: 20x on qualifying Restoration Hardware purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months from issuance.
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
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: 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.
Maximum Cards Per Issuer: 1
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Primarily beneficial for frequent Restoration Hardware shoppers, offering exclusive discounts, financing options, and a relatively accessible approval process.
Top Negative Feedback:
Frequent complaints about high interest rates, subpar customer service from Comenity Bank, limited utility of rewards outside Restoration Hardware, and occasional issues with online account management.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Wayfair Credit Card
- Capital One SavorOne Cash Rewards Credit Card
- Citi Custom Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
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