The Arhaus credit card is a store card offered by Comenity Bank that can be used to finance purchases at Arhaus furniture stores and on Arhaus.com. Arhaus is a popular furniture and home decor retailer known for its unique, artisan-quality products. The Arhaus credit card offers benefits like special financing offers, rewards points, and exclusive discounts to cardholders.
Benefits of the Arhaus Credit Card
- Special financing offers: The Arhaus card offers promotional financing on purchases over a certain amount, such as no interest if paid in full within 12-48 months. This makes financing big-ticket Arhaus purchases more affordable.
- 10 points per $1 spent: Cardholders earn 10 Arhaus rewards points for every $1 spent on purchases at Arhaus. Points can be redeemed for reward certificates to use on future Arhaus purchases.
- Exclusive discounts: Cardholders get early access to sales events and special offers only for Arhaus credit card holders. Discounts can include percentages off or dollars off certain purchase amounts.
- Free design services: Arhaus offers free in-home design services to cardholders, including free furniture layout plans and home design advice. Non-cardholder rates start at $150.
- Extended warranty coverage: The Arhaus card extends the manufacturer’s warranty on purchases by one year. This provides extra protection on Arhaus furniture and decor items.
- No annual fee: There is no annual fee to have the Arhaus credit card. It’s free to open and maintain an account.
How to Apply for the Arhaus Credit Card
You can apply for the Arhaus credit card in a few different ways:
- Apply online at arhaus.com. Look for the “Arhaus Card” link at the top of the website. It only takes a few minutes to fill out the application online.
- Apply by phone by calling 866-936-0420. An Arhaus credit card representative can take your application over the phone.
- Apply in person at any Arhaus furniture store. Ask an associate for an Arhaus credit card application.
To qualify, you’ll need to provide basic personal and income information. Approval decisions are made quickly. If approved, you can start using your new Arhaus credit card right away in-store or online.
The Arhaus card is issued by Comenity Bank and can only be used at Arhaus retail locations and on Arhaus.com. It cannot be used at other retailers.
Arhaus Credit Card Login and Account Management
To manage your Arhaus credit card account online, you can set up online account access at arhaus.com. Features of the online account include:
- Check your current account balance and available credit
- View recent charges and payment history
- Make one-time or recurring online payments
- Set up paperless billing and annual fee waivers
- Redeem Arhaus rewards points
- Get copies of statements
- Update your contact information
- Report cards lost or stolen
To log in, go to arhaus.com and click “My Account” then “Manage Arhaus Card Account”. You’ll need your Arhaus credit card number or account number along with your Social Security number to register online.
You can also manage your account by phone at 888-925-8674. The Arhaus credit services team can assist with any account needs.
How the Arhaus Credit Card Works
Here are some key things to know about how the Arhaus credit card works:
Purchasing power: The Arhaus card is a credit card, not a charge card. It gives you a revolving credit limit that can be used repeatedly over time. Limits range from $500 to $10,000 based on your creditworthiness.
Promotional financing: Special financing offers are available on purchases over $1,500. Offers may include no interest for 12-48 months depending on the purchase amount. Minimum monthly payments are required during the promotional period.
Rewards points: Cardholders earn 10 rewards points per dollar spent on Arhaus purchases. Points can be redeemed for reward certificates good on future Arhaus purchases. Certificates are issued in $25 increments.
Payment due date: The payment due date for the Arhaus card is at least 25 days after the close of each billing cycle. Monthly statements outline the minimum payment amount due.
Late payment fee: A late fee of up to $38 may be charged if a payment is not received by the due date. Making just the minimum monthly payment will increase the interest paid over time.
Annual Percentage Rate (APR): The APR for the Arhaus credit card is 28.74% variable. This rate may fluctuate based on the Prime Rate.
Credit access line: Account holders have toll-free 24/7 access to Arhaus credit experts to answer any card-related questions.
Arhaus Credit Card FAQ
Here are answers to some frequently asked questions about the Arhaus credit card:
How do I know if I’m approved for the Arhaus card? Approval decisions are provided almost instantly. If approved, you can use your new card immediately in stores or online. You’ll receive a card in the mail 7-10 days after approval.
What credit score is needed? There is no specific minimum score published, but you generally need good to excellent credit for approval (660+ FICO score). Many factors impact decisions including income, existing debt, and credit history.
Can the card be used at other stores? No. The Arhaus credit card can only be used at Arhaus retail stores and the Arhaus website. It is not accepted elsewhere.
Are there foreign transaction fees? Yes, a 1% fee applies to purchases made outside the U.S.
How do returns work? Returned or exchanged items are credited back to the Arhaus card. Points earned on refunded purchases are deducted from the account.
What are the benefits for authorized users? Authorized users can make purchases using the Arhaus card account. However, only primary cardholders earn points and exclusive offers.
Can the card ever be used without interest? Yes, qualifying purchases of $1500 or more may receive a promotional financing offer at 0% interest for a 12-48 month period.
How are points converted to reward certificates? 100 points is equal to $1. Certificates are issued in $25 increments, so 2,500 points would convert to a $25 reward certificate.
Is there an Arhaus credit card app? There is currently no app, but the card account can be accessed and managed fully on arhaus.com.
Bottom Line
The Arhaus credit card offers cardholders special financing options, rewards points, and discounts for furnishing the home with Arhaus’s unique, artisan-designed furniture and decor. The card provides a flexible way to finance major Arhaus purchases over time while earning rewards toward future Arhaus savings. With online account management and solid cardholder benefits, it can be a useful financing tool for Arhaus devotees.
Faizan Ahmad is a financial analyst and writer who specializes in investments, banking, and corporate finance. He has over 7 years of experience working in the finance industry in various roles.
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