Restoration Hardware and Restoration Hardware Baby and Child stores sell designer furnishings and fixtures. The Restoration Hardware credit card is a department store card that can be used to make purchases on the web and at locations around the U.S. When consumers make purchases with their Restoration Hardware credit cards, they pay no interest as long as they agree to the specified terms.
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In order to be approved for a line of credit with Restoration Hardware, you will need to fill out an application. If you visit a Restoration Hardware store, you can apply for their instant approval credit cards. Alternatively, you can also get a Restoration Hardware credit card online or over the phone.
Restoration Hardware Credit Card Terms
New Restoration Hardware credit cardholders pay 0% interest for the first 12 months when they pay off their accounts in full. While you will need to charge a minimum of $1,000 on your Restoration Hardware credit card in order to get the 0% introductory interest rate, it is not difficult to find qualify furniture at this retailer.
After the 12-month introductory interest rate period has lapsed, the interest rate on Restoration Hardware credit cards is automatically set to 24.99%. Even if you do not use your Restoration Hardware credit card on a frequent basis, you will still be subject to a minimum $25 monthly payment.
Restoration Hardware Credit Card Benefits
As soon as your new Restoration Hardware credit card application is approved and you charge something with your card, your account will be credited 250 bonus points. These points can be used to redeem Restoration Hardware gift cards. Subsequent purchases also help cardholders to accumulate more bonus points. Suze Orman offers detailed information on the specifics of credit card terms and bonus incentive programs on her website.
If you spend a substantial amount of money at Restoration Hardware and use your in-store card to finance your purchases, you can get a low APR for up to 24 months. If you are able to pay the balance in full, your purchases will be financed at 9.99%. Restoration Hardware credit cardholders can also add additional authorized users to their accounts.
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