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Restoration Hardware Credit Card

1 out of 5

The Restoration Hardware Grey Card offers financing programs for larger purchases but to get the best deals you must be a member, at an annual cost of $100. Unfortunately, the Restoration Hardware card has an extremely high APR and an even worse customer service record.

1 out of 5
1 out of 5
1 out of 5
1 out of 5


Easy to qualify

Credit building tool

Reports to all 3 major credit bureaus

No Annual Fee


High APR

Requires $200 minimum security deposit

The Restoration Hardware Credit Card offers none of the perks, points, or rewards that you would expect from a retail store credit card.

The Restoration Hardware Grey Card does offer financing programs for larger purchases but to get the best deals you must be a Restoration Hardware member at an annual cost of $100.

Unfortunately, the Restoration Hardware card is issued by Comenity Bank. Comenity Bank cards have extremely high APRs and a terrible customer service record.

Choosing a more traditional credit card over the Restoration Hardware Comenity Bank Card could save your credit score and save you thousands of dollars in interest payments over your lifetime.

The Restoration Hardware Credit Card does offer preferred and standard financing options on larger purchases.  It has an extremely high interest rate and its issuer has a reputation for being difficult to deal with.

Keep in mind that the Restoration Hardware Card can only be used at Restoration Hardware stores. 

A major problem with this card is the issuer, Comenity Bank, which has generated numerous complaints of poor service and customer-unfriendly policies.

Many reviews say that if you do not keep a balance and pay them interest your account may be closed without warning, even if you always pay on time. 

When a revolving credit card account is closed by the issuer your credit score can take a serious hit. 

There are many traditional credit cards that would be a better choice than the Restoration Hardware Card if you are looking for a credit card. 

This Restoration Hardware Credit Card review should help you understand how this card works, its shortcomings, and better alternatives.

What Is The Restoration Hardware Credit Card?

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The Restoration Hardware Credit Card accounts are issued by Comenity Bank for use only at the Restoration Hardware website and family of stores. You will not find a Visa, MasterCard, Discover, or American Express, logo on this card, so it can’t be used anywhere else.

Customers who use the RH Grey card to make purchases will have the option of selecting special financing terms.

Restoration Hardware rewards do not include points or any other notable perk other than the special financing option.

Comenity Bank and RH offer multiple special financing options based on the amount of credit you need to borrow and the length of time you plan on taking to pay off off the loan.

Here’s the catch…

👉 With the RH card you will qualify for standard financing options, however, if you want to get the lowest APR rates for the longest term then you will need to become an RH member.

There is an annual fee of $100 to be a Restoration Hardware member and receive the preferred financing rates.

Keep in mind that if you do not pay off the specially financed charges within the chosen terms, Comenity Restoration Hardware will back charge you at 26.49% interest!

With interest rates starting at 26.49%, there are literally hundreds of better credit cards to choose from.

What you get with an RH CC is a high-interest card that can’t be used anywhere but at Restoration Hardware stores and on their website.

Regardless of your credit score, there are many better alternatives.

Who Is Comenity Bank?

Comenity Bank and Comenity Capital Bank are owned by Data Alliance. Together they manage multiple customer loyalty programs.

Generally, they work with retail locations and provide them with store credit cards, rewards programs, and marketing information to retain customers.

They have a horrible reputation for customer service and for canceling cards of people who pay off their credit cards regularly and don’t pay interest.

Many Comenity Bank Reviewers complain about how their credit score was affected after having their account closed for no reason.

Restoration Hardware Credit Card Overview

Below are some of the basic features of the Comenity Bank Restoration Hardware CC:

  • Card type: Unsecured
  • Interest rate: 26.49% Variable
  • Annual fee: $0 (to receive Preferred Financing you must be a RH member which costs $100 annually)
  • Rewards: Special Financing Options On Selected Items
  • Security deposit: None
  • Foreign transaction fee: N/A
  • Credit reporting: Reports payment history to all three credit bureaus.
  • Cash advance fee: N/A
  • Cash advance APR: N/A
  • Late payment fee: Up to $40.00
  • Returned payment fee: Up to $40.00
  • Over The Credit Limit: None

👉 A 2019 Credit Card Insider survey found that 40% of retail store credit card holders regretted applying for their store card. We recommend that you apply for a traditional credit card or choose a more trustworthy online store card.

Restoration Hardware Card Benefits

The Restoration Hardware card offers its customers special financing options on some products.

Their rewards program is so light that they have to include as ‘perks’ things that all store cards generally include, such as the absence of an annual fee and access to your account online.

In addition, the Restoration Hardware Rewards also include the following:

  • Preferred Financing (with RH membership)
  • Standard Financing
  • No annual fee (this is standard for store cards, not really a reward)
  • Account management app (every card offers this, not really a reward)

Starting Credit Limit 

Your initial Restoration Hardware credit limit will be determined by a number of factors including your credit history and income.

There is no way of predicting the credit limit you will be given.

Restoration Hardware Credit Limit Increase

Credit limit increases have real advantages.

  • Decrease Your Credit Utilization
  • Increase Your Available Credit
  • Obtain New Credit Without Affecting Your Age Of Accounts

Your Comenity RH Card will periodically be reviewed for eligible credit limit increases.

👉 If you make your payments on time, Comenity Bank will consider you for a credit limit increase.

You can also request a credit limit increase on your customer dashboard or by calling Comenity Bank directly.

This is true for most credit cards and should not be a determining factor in choosing a credit card.

Restoration Hardware Credit Card Pros & Cons


  • Reports to major credit bureaus
  • Special financing
  • No annual fee


  • 26.49% Variable APR
  • Limited use
  • Bad customer service
  • Low rewards value

Restoration Hardware Credit Card Customer Reviews

⚠️ Restoration Hardware Rewards program offers some of the lowest value of rewards compared to their competitors.

Read some of the recent reviews submitted below about Comenity Bank, the company you are actually working with if you apply for the Restoration Hardware Credit Card.

How Do I Cancel My RH Credit Card?

You can cancel your account at any time by contacting their Customer Service Department at the phone number listed on your billing statement or on the back of your credit card.

Is There A Fee For Closing My Account?

Outside of the fees associated with your remaining balance, there is no fee for closing your account.

👉 I would recommend keeping the card active as long as you can, there really isn’t a reason to cancel the card any time soon. There’s no annual fee and they can’t charge that huge interest rate if you don’t buy anything.

Taking Action On Your Credit

Hopefully, you found this Restoration Hardware Credit Card Review helpful. Applying for their card could be a terrible mistake. There are many better credit cards out there, even if your credit is seriously flawed.

Today is a great day to apply for a new credit card that you can use anywhere and be charged a fair APR interest rate, but the RH Card is not that card.