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Archarge credit card

Receive 6, 12 or 24 month Special Financing on purchases of $399 for 6 months or $2,500 for 12 or 24 months made with your Arhaus Archarge Credit Card at Arhaus Furniture.*

The application process is easy and takes only a few minutes. Once you are approved you can begin enjoying all the benefits of your Arhaus Archarge Credit Card today.

View current terms for Archarge Arhaus Credit Card.

Comenity Bank issues Arhaus Archarge Credit Card Accounts. If you wish to proceed with the online application, you will be providing your personal information to Comenity Bank.

Please review the Important Information and Terms about opening an account prior to submitting your application:

To apply you must: Be at the age of majority in your state or territory, Have a valid government-issued photo ID, Have a valid government issued tax identification number (such as a SSN or SIN), Have a street, rural route, or APO/FPO mailing address. We do not accept PO Box mailing addresses. You agree that this application and any information you submit to Comenity Bank may be shared with and retained by Arhaus Furniture

*Deferred Interest, Low Payment plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge. Each transaction placed on all plans longer than 6 months promotional Credit Plan will not earn reward(s). As of 10/2020, terms for new Accounts: Variable purchase APR of 28.99%. Minimum interest charge is $2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

Credit card offers are subject to credit approval.

Arhaus Archarge Credit Card Accounts are issued by Comenity Bank.

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Fields marked with * are required.
PERSONAL INFORMATION
We use this information to verify your identity and to acquire information from the credit bureau.
Date of Birth
CONTACT INFORMATION
Phone and Email

By providing your contact information above, including any cellular or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems, or via e-mail.

Mailing Address
ANNUAL INCOME

Alimony, child support or separate maintenance income need not to be included if you do not wish to have it considered as a basis for repaying this obligation.
Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

AUTHORIZED BUYERS

Authorized users are allowed to use your account; however, as the primary account holder, you are responsible for repayment of all amounts charged to your account.
Once your account is open, you may add up to four total authorized users by logging into your online account management portal.

IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. You agree that this application and any information you submit to Comenity Bank may be shared with and retained by Arhaus.

CA Residents: If you are married, you may apply for a separate account. OH Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. NY, RI, and VT Residents: We may order credit reports in connection with processing applications/solicitations and any update, renewal or extension of credit. Upon request, we will tell you the name and address of any consumer-reporting agency that furnished a report on you. You consent to the obtaining of such reports by signing or otherwise submitting an application or solicitation. WI Residents: No provision of marital property agreement, unilateral statement under Section 766.59 or court decree under Section 766.70 adversely affects the interest of Comenity Bank, unless the Bank, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the Bank is incurred.

Important Information for Covered Borrowers Under the Military Lending Act
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To hear this Military Lending Act disclosure and the payment obligations thereunder, call toll free at 1-866-230-0418; (TDD/TTY: 1-800-695-1788).

ELECTRONIC CONSENT

You must read the disclosures presented in the Electronic Consent section of the Terms and Conditions box below prior to checking the consent box.Please also read the Credit Card Agreement, Privacy Statement and other information presented in the Terms and Conditions box prior to submitting this application and print a copy for your records.

By signing or otherwise submitting this application/solicitation, each applicant ("I," "me" or "my" below) agrees and certifies that (1) I have read and agree to the disclosures provided on or with this application/solicitation,(2) the information I have supplied is true and correct, (3) I am applying to Comenity Bank, P.O. Box 182273, Columbus, OH 43218-2273 (“Bank”) for an Arhaus credit card account, (4) I authorize the Bank to obtain credit reports on me, (5) if approved, my account will be governed by the Credit Card Agreement, (6) I understand that I may pay all of my account balance at any time without penalty and (7) this application/solicitation, any information I submitted to the Bank, and the Bank’s final decision on my application/solicitation may be shared with and retained by Arhaus.

Terms and Conditions
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