RH Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypeRH Credit

Base Rate0.01x / 0.01%

Bonus RateUp to 0.03x

Point Value~0.01¢ each

ExpirationRH Credit expires 24 months from the date of issuance.

Redemption NotesRH Credit is redeemable only for RH purchases.

Category	Rate	Type	Cap
All Other Purchases Purchases made outside of RH.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Online Account Management Cardmembers can manage their RH Credit Card account online, including viewing statements, making payments, and accessing account details.	Security	—
RH Credit Rewards Cardmembers earn 2% back in RH Credit on every purchase made at RH. RH Credit is issued as a gift card.	Shopping	2% back in RH Credit
Special Financing Offer (12 Months) Cardmembers can receive 0% APR for 12 months on qualifying purchases of $2,500 or more made with the RH Credit Card. Minimum monthly payments are required.	Shopping	0% APR for 12 Months
Special Financing Offer (24 Months) Cardmembers can receive 0% APR for 24 months on qualifying purchases of $5,000 or more made with the RH Credit Card. Minimum monthly payments are required.	Shopping	0% APR for 24 Months
Special Financing Offer (6 Months) Cardmembers can receive 0% APR for 6 months on qualifying purchases of $750 or more made with the RH Credit Card. Minimum monthly payments are required.	Shopping	0% APR for 6 Months

Interest Rates

Purchase APR29.99% Variable

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments are required. See your credit card agreement for more details.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Co-ApplicantNot allowed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across multiple Synchrony accounts, excessive credit seeking (numerous recent applications), prolonged inactivity on the card, late payments or defaults on any Synchrony product, significant changes in credit profile (e.g., bankruptcy, high utilization on other cards).

Cliff Effect Rules

Synchrony store cards generally do not have complex 'card family' or 'cliff effect' rules similar to premium travel or cashback ecosystems. Each store card is typically an independent product. However, approval for new Synchrony cards can be impacted by the total credit extended across existing Synchrony accounts, potentially leading to denials if total exposure limits are reached.

International Friendly

May have limitations for international use.

Additional Issuer Rules

As of 2026, the rh-credit-card from Synchrony is expected to follow typical Synchrony store card eligibility and application rules. Eligibility generally requires applicants to be 18+ years old, a US resident, and possess a valid SSN/ITIN. While some Synchrony store cards can be approved with fair credit (FICO 620+), approval for the rh-credit-card will likely favor applicants with good to excellent credit (FICO 670+), subject to Synchrony's internal underwriting criteria, including debt-to-income ratio and existing credit relationships. Application is typically online with instant decision capabilities, and pre-qualification tools may be available. Multiple applications for different Synchrony cards are possible, but each application results in a hard inquiry, and approval is contingent on the overall credit profile and Synchrony's total exposure limits. For new cardholders, a hypothetical bonus rule could be: Receive a 20% discount on your first purchase made within 30 days of account opening, up to a maximum discount of $100. Additionally, earn 5% back in rewards on all purchases at [Hypothetical Retailer Name] for the first 6 months.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

RH Credit Card