The Arhaus Credit Card offers a dedicated financing solution for customers shopping at Arhaus, targeting individuals looking to enhance their home furnishings with flexible payment options and exclusive promotions tailored to the brand.
Who This Card Is For
Home decor and furniture shoppers interested in spreading out payments for larger purchases.
Loyal Arhaus customers seeking access to special promotions, such as exclusive sales events and potential financing offers.
Consumers looking to make significant investments in furniture and want dedicated financing without relying on general credit cards.
Key Facts (At-a-Glance)
Item
Details
Annual Fee
No annual fee (confirm on official site as terms may change).
APR
Typical retail card APRs apply; varies by applicant and current promotional offers (sample/illustrative APR ~29.99%). Subject to change and creditworthiness.
Rewards
Not structured as a rewards card, but access to special financing and periodic exclusive events and promotions for cardholders.
Eligibility & Application
Requires age of majority and valid U.S. address; income and credit check typically required. Official criteria on Arhaus website.
Credit Limit Policy
Limits set by issuer based on credit profile; initial limits may be conservative, with periodic reviews upon usage and payment history.
Penalty/Late Fees
Late fee applies, typically up to $40 (sample/illustrative—verify on official disclosures).
Pros
Offers exclusive financing options that may allow interest-free payments over a set period during promotions (subject to approval and special events; terms change frequently).
Enables larger purchases without immediate full payment, making high-ticket furniture and decor more affordable in the short term.
Provides access to special Arhaus events, sales, and cardholder offers unavailable to general shoppers.
No annual fee reduces ongoing cost of card ownership.
Cons
Does not offer traditional cashback or point-based rewards for everyday purchases.
High standard APR applied to balances not paid within promotional periods; retroactive interest may be charged if qualifying purchases are not fully repaid by the end of the promo term.
Usable only at Arhaus, making it less versatile than general-purpose cards.
Credit approval required; credit limit may be lower than major credit cards, potentially impacting large-purchase plans.
Fees, Rates & How Costs Accrue
The APR is a key cost factor, typically aligning with retail card rates and subject to change by issuer policy and creditworthiness (sample/illustrative ~29.99%). Always review current APRs and promotional financing terms on the official Arhaus specials page.
Deferred interest offers may be available during specific sale events. If the balance is not paid in full by the promotional term’s end, interest is often charged retroactively from the purchase date.
Late payment fees apply; verify the current maximum amount on the official application or terms page before applying.
No annual fee helps reduce long-term cost, but interest charges can accumulate rapidly if balances are carried month to month.
Rewards: Earning & Redeeming
The card does not offer points or ongoing cashback; instead, it provides access to financing promotions and exclusive sales events.
Cardholders may receive opportunities to participate in special Arhaus promotional events or coupon offers not available to other shoppers.
Rewards structure is promotion-driven, so value depends on timing and participation during sales cycles or featured events.
Redemption consists of applying for and using promotional financing at checkout; there are no points to redeem as with traditional rewards cards.
User Feedback & Real-World Experiences
Customers value the ability to finance large furniture purchases, especially during major sales or zero-interest offers promoted on the Arhaus sale page.
Some users mention high standard APRs and retroactive interest as drawbacks if balances are not paid within promotional terms.
Limited use case—can only be used at Arhaus stores or online, so serves primarily those making significant or recurring home purchases from the brand.
Positive comments often focus on hassle-free checkout integration and event access, while negative feedback highlights potential for high interest charges and lower credit limits.
Alternatives & Comparisons
Notable Alternatives
General-purpose no-fee cashback credit cards for more flexible purchases and broader everyday value.
Other store credit cards (e.g., furniture and home improvement retailers) that feature similar financing offers or periodic promotions.
0% introductory APR cards from major banks, offering a promotional period with universal purchasing power.
Side-by-Side Comparison
Feature
Arhaus Credit Card
No-Fee Cashback Card
0% Intro APR Card
Annual Fee
No annual fee
No annual fee
No annual fee (typical)
APR (Purchase)
~29.99% (sample/illustrative)
17–26% (sample/illustrative)
19–27% after intro (sample/illustrative)
Rewards
Access to special Arhaus promos
Ongoing cashback, up to 2% (sample)
No direct rewards, but intro financing on all purchases
Notable Perks
Exclusive event access, promotional financing
Rewards flexibility, broad acceptance
Universal 0% intro APR window
Eligibility & Application Steps
Visit Arhaus online or at a participating retail store to initiate the application.
Provide required identification (must be at least 18 years old or legal majority in your state, with a verified U.S. address).
Complete the application form, including consent to a credit check and income confirmation; terms and privacy policy are available on Arhaus’s official site.
Application may receive instant review, but some decisions may be subject to further verification or requests for additional information.
Approval criteria are set by the issuing bank and may vary based on overall credit profile and purchase intentions.
How to Maximize Value
Plan major home furnishing purchases around Arhaus sales and promo events to take full advantage of special financing offers.
Ensure promotional balances are fully paid before expiration to avoid retroactive interest charges.
Monitor account activity and due dates carefully to prevent late fees and safeguard your credit standing.
Consider whether a general credit card with cashback or 0% intro APR meets your needs better if shopping beyond Arhaus.
Only use credit for purchases you can reasonably repay within the advertised promotional period; interest on unpaid balances can accumulate quickly.
Frequently Asked Questions
Does the Arhaus Credit Card charge an annual fee?
No annual fee currently, but always verify with the official terms prior to applying.
Fee structures may change, especially during promotional events.
Can I use the Arhaus Credit Card anywhere else?
No, it is only accepted for purchases at Arhaus stores and on the Arhaus website.
It is designed specifically for Arhaus-branded shopping and events.
How does promotional financing work?
Deferred or reduced-interest offers are sometimes available during special events or sales periods.
Interest is typically charged retroactively if the balance is not repaid in full by the promotional term’s end.
The Arhaus Credit Card is suited for loyal Arhaus shoppers or those planning major purchases during sales with special financing. It is less versatile than general-purpose cards and carries high APRs if balances are not paid in full.
Always read the full terms and latest promotional details directly from the official Arhaus website before applying or making significant purchases.
If your furniture financing needs extend beyond Arhaus or you want ongoing rewards, a general cashback or 0% APR card may be a more flexible choice.
