Apply Now for the RH Credit Card

1 For a $200 annual fee, RH Member benefits include: 30% savings on all full-priced items*, additional 30% savings on all sale items, 25% savings on Waterworks items,* complimentary services with RH Interior Design and Preferred Financing with the RH Credit Card. Subject to credit approval. See RH Members Program Terms & Conditions. *Limited exclusions apply.

2 0% APR with 12 equal monthly payments on purchases made with your RH Credit Card. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 4/1/2026: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

3 3.99% APR with 60 fixed monthly payments on purchases made with your RH Credit Card. Interest will be charged on the promo purchase from the purchase date at a reduced 3.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.8412% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 4/1/2026: Purchase APR 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

4 2.99% APR with 12 fixed monthly payments on purchases made with your RH Credit Card. Interest will be charged on the promo purchase from the purchase date at a reduced 2.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 8.4689% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 4/1/2026: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

5 6.99% APR with 60 fixed monthly payments on purchases made with your RH Credit Card. Interest will be charged on the promo purchase from the purchase date at a reduced 6.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.9796% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 4/1/2026: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.