Financing Options
RH MEMBERS1
PREFERRED FINANCING
exceptional rates
($200 annual fee required for RH Members Program)
- 0% APR with 12 Equal Monthly Payments2
- 3.99% APR with 60 Fixed Monthly Payments3
Standard
FLEXIBLE FINANCING
(Non-RH Member)
- 2.99% APR with 12 FIXED Monthly Payments4
- 6.99% APR with 60 FIXED Monthly Payments5
OUTLET
Special Financing
(RH Member and non-RH Member)
- 0% APR with 12 Equal Monthly Payments2
Buy now, pay over time6
24/7 online account
management
Revolving line of
credit you can use
for future purchases
Secure Access to Your
Cardholder Services
Anytime, Anywhere
Frequently Asked Questions
What is the RH Credit Card?
The RH Credit Card offers customers a credit card through Synchrony Bank with a revolving credit limit to use again and again with RH*.
Those who held an RH Credit Card prior to 4/1/2026 can make purchases until 5/15/2026.
How do I apply for the RH Credit Card?
See if you prequalify for the RH Credit Card here.
You can apply for the RH Credit Card here.
Or you can apply within the United States at any RH Gallery or Outlet. Click here for a listing of all Galleries and Outlets.
What are the benefits of membership?
RH Members enjoy 25% savings on all full-priced items and 20% savings on sale merchandise. Limited exclusions apply and are outlined in the RH Members Program Terms & Conditions.
Members also receive complimentary services with RH Interior Design.
Who is eligible to join?
Anyone may join the RH Members Program. The annual fee for enrollment is $200, plus applicable tax.
Trade customers, please visit our Trade Sales page for information on Trade accounts.
How much is the membership fee?
The annual membership fee is $200, plus applicable tax.
Is the membership based on a calendar or rolling year?
Membership is valid for one year from the date of purchase. If, for example, membership is purchased on 13 March, 2022, it will be valid until 13 March, 2023.
Are there membership subscription terms other than one year?
No. The RH Members Program has an initial subscription term of one-year. Subscriptions may be renewed thereafter for consecutive one-year terms.
Can I terminate my membership early and receive a refund if no purchases have been made?
Membership termination rights are explained in the RH Members Program Terms & Conditions. If you have additional questions about terminating your membership, please Contact Us.
Can I use my membership at RH Outlets?
No, RH Members Program benefits cannot be used at RH Outlets.
Can I place my orders online?
Yes, you can apply your member savings to your online order.
How do I access my membership online?
Membership is tied to your RH account. You can access your Member details within the My Account section of the site once you are logged in.
If you signed up in a gallery or through the Customer Service Center and you already have an RH.com account with the same email address, your membership will automatically be applied when you log in, and no additional action is required.
If you enrolled using a different email address than your RH.com account email address, you must first link your membership to your RH.com account by visiting the Membership section of your My Account page.
If you signed up in a gallery or through the Customer Service Center and you don't have an RH.com account, please create an account.
May I use my membership to purchase items to send to others (gifts or otherwise)?
Yes, you may place an order using your membership and have that order shipped to another recipient.
Will my membership automatically renew at the end of its term?
Yes, for residents of the U.K. your enrollment in the RH Members Program will automatically renew one year after you sign up unless you cancel your membership. More details can be found in the RH Members Program Terms & Conditions.
Can I be a member if I live abroad?
Yes, our international customers are welcome to join the membership program.
Do I have to pay for shipping?
Yes. There is no member benefit on shipping charges. Visit Shipping & Delivery for more information on shipping fees.
Who do I contact for further information or for account inquiries?
Please contact RH Credit Card Customer Service at 855.507.1495 or here.
Those who held an RH Credit Card prior to 4/1/2026 can contact TD Bank at 866.561.6450.
Can I add an Authorized User to my RH Credit Card account?
To add an Authorized User to your RH Credit Card account, call RH Credit Card Customer Service at 855.507.1495 or log in to your online account here to provide the user's name, date of birth, and home address. Adding a user doesn't impact your credit score, and the user can make purchases but isn't responsible for payments, which remain the primary cardholder's responsibility.
Where can I use my RH Credit Card to make purchases?
Use your RH Credit Card online for any orders shipping to the U.S., to purchase RH gift cards and to pay the RH Membership program fee. You may also use your card at any of our RH Galleries or RH Outlets located in the U.S. Unfortunately, the RH Credit Card is not available for use in RH Restaurants or Wine Bars. Learn more about RH Shipping & Delivery here.
How are purchases charged to my RH Credit Card?
In general, RH submits charges for authorization when an item ships, which is usually within two business days for in-stock items. If an item is temporarily unavailable, you will not be charged until it ships. For example: If you purchase three items, and each item ships on a different day, you would have three separate charges and payment plans.
Can I use the RH Credit Card in RH Galleries outside of the United States?
The RH Credit Card is available for use only in our U.S. Galleries for orders shipped inside of the U.S.
How can I check my credit limit and balance?
You can check your statement online on the My Account page or contact RH Credit Card Customer Service at 855.507.1495.
Those who held an RH Credit Card prior to 4/1/2026 can manage their account via the TD Bank Legacy Account page.
What if I don't have enough available credit to complete this purchase?
Please contact RH Credit Card Customer Service at 855.507.1495.
Those who held an RH Credit Card prior to 4/1/2026 can contact TD Bank at 866.561.6450.
Can I make an RH Credit Card payment online?
Yes. You can access your account 24/7 to make a payment, review your statements, update personal information, set up recurring payments and go paperless by visiting the My Account page.
Those who held an RH Credit Card prior to 4/1/2026 can manage their account via the TD Bank Legacy Account page.
Can I pay my bill in an RH Gallery?
We cannot accept payments in our Galleries, but you can access your account 24/7 to make a payment, review your statements, update personal information, set up recurring payments and go paperless by visiting the My Account page.
For questions about your order, contact RH Customer Experience at 800-762-1005 or by email at customerexperience@rh.com.
I just got my statement and there seems to be an error. Who should I contact?
Please contact RH Credit Card Customer Service at 855.507.1495.
Those who held an RH Credit Card prior to 4/1/2026 can contact TD Bank at 866.561.6450.
I made a mistake when selecting my payment plan. Who should I contact?
Please contact RH Credit Card Customer Service at 855.507.1495.
Those who held an RH Credit Card prior to 4/1/2026 can contact TD Bank at 866.561.6450.
What is the payment address?
Synchrony Bank
PO Box 71715,
Philadelphia PA 19176-1715
Those who held an RH Credit Card prior to 4/1/2026 can send payment to:
TD Bank
P.O. Box 100114
Columbia, SC 29202-3114
How do I close my RH Credit Card account?
Please contact RH Credit Card Customer Service at 855.507.1495.
Those who held an RH Credit Card prior to 4/1/2026 can contact TD Bank at 866.561.6450.
*Subject to credit approval.
Important Information
1For a $200 annual fee, RH Member benefits include: 30% savings on everything RH* – including all sale items, 25% savings on Waterworks items,* complimentary services with RH Interior Design and preferred financing with the RH Credit Card available. See RH Members Program Terms & Conditions. *Limited exclusions apply.
20% APR with 12 equal monthly payments on purchases made with your RH Credit Card. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 4/1/2026: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
33.99% APR with 60 fixed monthly payments on purchases made with your RH Credit Card. Interest will be charged on the promo purchase from the purchase date at a reduced 3.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.8412% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 4/1/2026: Purchase APR 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
42.99% APR with 12 fixed monthly payments on purchases made with your RH Credit Card. Interest will be charged on the promo purchase from the purchase date at a reduced 2.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 8.4689% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 4/1/2026: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
56.99% APR with 60 fixed monthly payments on purchases made with your RH Credit Card. Interest will be charged on the promo purchase from the purchase date at a reduced 6.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.9796% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 4/1/2026: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
6Subject to Credit Approval.
ALREADY A CARD HOLDER?
Manage your account online. You can pay a bill, view your statement, update personal information, add authorized buyers or request a credit limit increase.
Purchases made prior to 8/2/22 can be managed via the Comenity/Bread Financial Legacy Account page.
Purchases made prior to 4/1/2026 can be managed via the TD Bank Legacy Account page.