Restoration Hardware Credit Card Review | CreditShout

Restoration Hardware Credit Card Review

By Dan Rafter / October 11, 2011
restoration hardware credit card review

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The Verdict:

A high interest rate combined with a rewards program that doesn’t offer cardholders enough choices are the two main problems that keep the Restoration Hardware Credit Card from being a must-have for your wallet.

Overview:

Like most store-affiliated credit cards, the Restoration Hardware credit card comes with a purchase interest rate that is simply too high.

At the same time, the card’s rewards program isn’t nearly as flexible as are the programs offered by credit cards not affiliated with retailers.

With the Restoration Hardware card, you can only redeem your rewards points for a Restoration Hardware gift certificate.

Unless you’re a hardcore shopper here, you’d be better off applying for one of the many other rewards cards currently on the market. With these other cards, you can convert rewards points into everything from cash and airline tickets to hotel stays and merchandise.

How This Card Works:

You’ll earn points every time you use your Restoration Hardware credit card to make a purchase.

Once you’ve earned 500 points, you can turn your rewards points into a $25 awards certificate good at Restoration Hardware locations and at the company’s Web site.

Travel and Shopping Benefits:

You’ll earn one rewards point for every dollar that you charge.

You’ll also receive 250 bonus points with the first purchase that you make with this card.

Fees:

There is no annual fee with this card.

And most of the fees associated with the Restoration Hardware credit card are standard for the industry.

However, the card does come with a high purchase interest rate of 24.99 percent. If you don’t pay your card balance in full each month, then, you’ll see your credit-card balance grow quickly.

The Bottom Line:

Pros:

  • Comes with a rewards program.
  • 250 bonus points with first purchase.

Cons:

  • High purchase interest rate.
  • Rewards program is not flexible.
The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone.Additionally, the opinions of the commenters are not necessarily the opinions of this site

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