The Restoration Hardware Card Review

Updated on May 03, 2017

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Restoration Hardware is a luxury brand in the home furnishings market. The company offers furniture, lighting, textiles, home décor, outdoor and garden products, and items for babies and children. The company specializes in historical design collections including authentic reproductions and updated classics, and they also operate galleries and outlets throughout the USA and Canada.

Restoration Hardware offers a chance for consumers to earn rewards with their rewards card. Cardholders can earn points towards purchases and finance big ticket items.

Restoration Hardware Rewards Card Features

The Restoration Hardware rewards program is tailored to the needs of those customers of the company who spend lots of money every month or every year at Restoration Hardware outlets or galleries. If you carry the Restoration Hardware rewards card you will earn rewards points each time you shop at Restoration Hardware.

  • Earn 1 point for every $1 spentrestoration harware credit card
  • Receive a $25 Rewards Certificate each time you accumulate 500 points
  • No annual fee
  • 12 months special financing*
  • Minimum purchase requirement of $1,000

Cardholders will earn 1 point per every dollar spent on all Restoration Hardware purchases, including Restoration Hardware Baby & Child and Outlet purchases, less returns and credits. Once you accumulate 500 rewards points you can redeem them for a $25 rewards certificate, which essentially works the same way as a gift card. That means that rewards points generate a value that is equivalent to a 5% credit ($500 X 5% = $25).

That 5% rate is extremely generous compared to almost all other rewards programs, plus there is no annual fee for the card, which makes the Restoration Hardware rewards card an attractive option for fans of the store. The Amex Everyday Card, for instance, offers a comparably generous 6% back on groceries, but only on the first $6,000 worth each year and it comes with an annual fee.

The interest rate is very high, however, at 24.99% APR on purchases. For that reason the card should be used only to earn rewards points and then paid off each month to avoid interest charges.

Special Financing Options

Cardholders are eligible for special in-store financing on qualifying purchases of at least $1,000, subject to credit approval. You can structure the financing as follows:

  • Deferred Interest -Use the Deferred Interest plan if you can pay off the purchase within 12 months. If you get careless and miss a payment or forget to pay it off in full within those 12 months, interest will be retroactively charged from the date of the original purchase, at an APR of 24.99%. While 0% interest is a great incentive, probably more than half of conventional credit cards offer the same rate without applying retroactive interest.
  • Equal Payments -With this option your payments will be equally spread out over 12 months at a rate of 9.99% APR. Once again, beware because if the full balance is not paid up before the end of that fixed period of time then the remaining balance will be charged interest of 24.99%.

Comparable Offers

If you read our credit card reviews, you already know that we wouldn’t suggest this card purely for the fact that you could get stuck with deferred interest charges. Even if you have never missed a payment, stuff happens, things come up, and we aren’t perfect.

Another way to reap big rewards and discounts is to carry a Discover Card and shop through Discover’s online shopping portal. Buying online through Discover’s shopping mall entitles you to a special 10% cash back rewards from certain retailers including such as Kohl’s, Sharper Image, and Sears. Cardholders can also earn 5% cash back all year long from furniture and home accessory companies like Home Decorator’s Collection, Buy Buy  Baby, CB2, Bed Bath & Beyond, and Crate & Barrel.

Discover Card may not make sense to you if you are only interested in the exclusive branded inventory available at Restoration Hardware since Discover doesn’t partner with that store. If you are particularly interested in Restoration Hardware products, you can apply here.

Additional credit cards that will earn you more than 1% on all purchases that you can use on your Restoration Hardware purchases include:

  • Capital One® QuicksilverOne® Cash Rewards Credit Card (for those with average/fair credit) and the Capital One® Quicksilver® Cash Rewards Credit Card (for those with excellent credit)–Both of these cards come with 1.5% cash back on all purchases, every day with no cap on the number of rewards you can earn.
  • Capital One® VentureOne® Rewards Credit Card – Cardholders will earn 1.25 Miles per dollar on every purchase, every day. Rewards can be redeemed for more than just miles, such as for gift cards, merchandise, cash and more.
  • Capital One® Venture® Rewards Credit Card – This card is a step up from the above VentureOne Rewards Card, but it comes with an annual fee of $59, waived the first year. Cardholders can earn 2 miles per dollar spent on every purchase, everyday. Rewards can be redeemed for more than just miles, such as for gift cards, merchandise, cash and more.
  • Barclaycard Arrival Plus™ World Elite MasterCard® – This credit card is like an elite version of the Capital One Venture Rewards Card, offering the same rewards rate of 2 miles on all purchases, but it comes with a lot more perks because it’s part of the Elite MasterCard program. The downside to this card is that it doesn’t come with an intro APR for purchases and the annual fee is $89, which is waived the first year.
  • BuyPower Card from Capital One® –With this card you will earn 5% cash back on your first $5,000 in purchases each year. After that, you will earn 2% cash back on every purchase. This card is part of a special rewards program and rewards can only be redeemed towards the purchases of a GMC, Chevy, Buick, or Cadillac vehicle.

Charge Cards vs. Credit Cards

While on the topic of credit card alternatives, it is important to mention that the Restoration Hardware card it is within the category of in-store charge cards. Unlike full-fledged credit cards (like those that carry the logo of Discover, Visa, MasterCard, or American Express) a store card like the one issued by Restoration Hardware is not honored anywhere else.

*Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

*The content in this article is accurate at the publishing date, and may be subject to changes per the card issuer.

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