RH Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: rh-credit-card

Issuer: Synchrony

Card Name: RH Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 08:03

Last Scraped: Feb 17, 2026 08:05

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents, limiting the cost of consumer credit to an annual percentage rate of 36 percent, including fees and premiums.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Shopping 3
Special Financing: 12 Months No Interest
12 months no interest on purchases of $750 or more

No interest if paid in full within 12 months on qualifying RH purchases of $750 or more. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.

Special Financing: 24 Months No Interest
24 months no interest on purchases of $2,500 or more

No interest if paid in full within 24 months on qualifying RH purchases of $2,500 or more. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.

Special Financing: 36 Months No Interest
36 months no interest on purchases of $5,000 or more

No interest if paid in full within 36 months on qualifying RH purchases of $5,000 or more. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.

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
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $30.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, the rh-credit-card is expected to maintain standard Synchrony store card eligibility. Applicants must be at least 18 years old, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval typically requires fair to good credit, though some exceptions may apply based on overall credit profile with Synchrony. Bonus rules are anticipated to include an initial discount (e.g., 15-20% off first purchase) or a statement credit (e.g., $25-$50) after spending a specified amount within the first 90 days. Store-specific restrictions apply, meaning rewards and benefits are primarily redeemable at 'rh' retail locations and online.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive recent credit applications (especially with Synchrony), prolonged inactivity on the card, late payments, or any breach of the cardholder agreement.

Cliff Effect Rules: Synchrony does not typically enforce strict 'family' rules like some other issuers (e.g., 5/24). However, they closely monitor total credit exposure across all Synchrony-issued cards. Applying for multiple Synchrony cards in a short period or having a very high cumulative credit limit can lead to application denials or reduced credit limits on existing cards, rather than a hard 'cliff' rule.

Special Events: Expected special events for rh-credit-card holders in 2026 include exclusive cardholder discount days (e.g., 10-20% off select categories), double points/rewards events during promotional periods, and personalized birthday offers or anniversary rewards.

Holiday Promos: Key holiday promotional periods for 2026 are anticipated to include Black Friday/Cyber Monday week, the entire December holiday shopping season, Mother's Day, Father's Day, and potentially seasonal sales events (e.g., Spring Refresh, Back-to-School).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Excellent for financing large furniture purchases with deferred interest options. The application process is generally straightforward.

Top Negative:
Very high standard APR if promotional terms are not met. Users report issues with customer service and difficulties managing the account or securing credit limit increases.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Wayfair Credit Card
  • Lowe's Advantage Card
  • Citi Custom Cash Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: 2024-03-01

⚠️ Change Alert: Terms and conditions were updated on 2024-03-01.