What the Arhaus Credit Card Is
The Arhaus Credit Card is a store card issued by Arhaus, a furniture and home décor retailer. It works only at Arhaus locations and on their website — you cannot use it at other stores. The card is designed to give regular Arhaus shoppers rewards on their purchases and access to promotional financing offers.
Store cards are different from general-purpose credit cards. They typically offer rewards or discounts specific to that retailer, but they carry higher interest rates if you carry a balance. The Arhaus card is issued through a bank partner and reports to the three major credit bureaus, so how you use it affects your credit score.
Key Takeaways
- The Arhaus Credit Card can only be used at Arhaus stores and Arhaus.com, not at other retailers.
- The card offers rewards points on purchases and periodic promotional financing offers like deferred interest periods.
- Interest rates on store cards are typically higher than rates on general credit cards, especially if you carry a balance month to month.
- Payment history and credit utilization on this card affect your overall credit score because it reports to credit bureaus.
- You need to be reviewed for the card based on your credit history, income, and other factors — approval is not may provide.
How Rewards and Promotions Work
Arhaus cardholders earn points on purchases made with the card. The exact point structure — how many points per dollar spent, what categories earn bonus points, and what rewards are available — can change, so check your cardholder agreement or contact Arhaus customer service for current details.
The card also offers promotional financing periods. These are typically deferred-interest offers: you make no interest charges during a set period (often 12 to 24 months, depending on the promotion), but if you do not pay the full balance by the end of that period, interest accrues retroactively on the entire original amount. Read the terms carefully before using a promotional offer, because the penalty for missing the important date is steep.
Arhaus sends promotional offers to cardholders by email and mail. These may include bonus points for spending a certain amount in a set timeframe, or special financing on specific product categories. These promotions are time-limited and vary by customer.
Interest Rates and Fees
Store credit cards typically charge higher interest rates than general-purpose credit cards. The Arhaus card's annual percentage rate (APR) depends on your creditworthiness — the better your credit score and history, the lower your rate will be. You will see your specific APR in your cardholder agreement after you are reviewed.
If you carry a balance beyond a promotional period, interest accrues daily on the unpaid amount. The card may also charge an annual fee, a late payment fee, or a returned payment fee. Check your terms and conditions for the current fee structure, as these can change.
To avoid interest charges, pay your full statement balance by the due date each month. If you use a promotional financing offer, set a calendar reminder for the final payment date so you do not miss it and trigger retroactive interest.
How to Request the Card
You can request the Arhaus Credit Card in person at an Arhaus store or online at Arhaus.com. The request process takes a few minutes and asks for basic information: your name, address, date of birth, Social Security number, income, and employment status.
Arhaus and its bank partner will review your credit report and other information to decide whether to issue the card. This review typically takes a few minutes to a few hours. You will receive a decision by email or in person, depending on where you requested the card.
If you are not reviewed favorably, you can ask why and may be able to request reconsideration. If you are reviewed favorably, your card will arrive by mail within 7 to 10 business days. You can set up it online or by phone once it arrives.
Using the Card Responsibly
Store cards are easiest to manage when you treat them like any other credit card: spend only what you can pay back in full each month, and keep your balance well below your credit limit. This keeps you out of high-interest debt and protects your credit score.
Your payment history on the Arhaus card — whether you pay on time, how much of your available credit you use, and whether you ever miss a payment — is reported to Equifax, Experian, and TransUnion. Late payments, high balances, and missed payments all lower your credit score and can make it harder to borrow money elsewhere.
If you use a promotional financing offer, write down the final payment date and set a reminder. Paying even one day late can trigger the retroactive interest charge. If you think you will not be able to pay the balance in time, contact Arhaus customer service before the important date to discuss your options.
Comparing the Arhaus Card to Other Options
The main advantage of a store card is the rewards and promotional financing specific to that retailer. If you shop at Arhaus regularly and spend enough to earn meaningful rewards, the card can save you money on purchases you were already planning to make.
The main disadvantage is that you can only use it at Arhaus. If you want a card that works everywhere, a general-purpose credit card or a cash-back card may be better. General cards often have lower interest rates and more flexible rewards.
If you are deciding between the Arhaus card and a general card, consider how often you shop at Arhaus and how much you typically spend. If you visit multiple times a year and spend several hundred dollars annually, the Arhaus card rewards may outweigh the higher interest rate. If you shop there rarely, a general card is probably the better choice.
Frequently Asked Questions
Can I use the Arhaus Credit Card anywhere besides Arhaus?
No. The Arhaus Credit Card works only at Arhaus retail locations and on Arhaus.com. It cannot be used at other stores or online retailers. If you need a card that works everywhere, you would need a separate general-purpose credit card.
What happens if I do not pay off a promotional financing balance in time?
Interest accrues retroactively on the entire original amount from the purchase date. For example, if you financed $2,000 with 24 months deferred interest and paid $1,500 by the important date, you would owe interest on the full $2,000, not just the $500 remaining. The interest charge can be substantial, so set a payment reminder well before the important date.
Does the Arhaus card hurt my credit score?
The card itself does not hurt your score, but how you use it does. On-time payments and low balances help your score. Late payments, high balances relative to your credit limit, and missed payments lower it. The card reports to all three credit bureaus, so responsible use builds credit history.
What should I do if I am not reviewed favorably for the card?
You can ask Arhaus or the bank partner why you were not reviewed favorably. Common reasons include a low credit score, recent late payments, or high existing debt. You may be able to request reconsideration, or you can reapply after improving your credit profile.
Can I use the Arhaus card for purchases outside the store, like over the phone?
Yes, you can use the card for phone orders and mail orders placed with Arhaus customer service, as well as on Arhaus.com. The card works for any Arhaus purchase, regardless of how you place the order.