Are you struggling with Arhaus bill payments? I’ve been there too! As someone who’s recently furnished their entire living room with gorgeous Arhaus pieces, I wanted to share everything I’ve learned about managing payments for this premium furniture retailer.
Understanding Your Arhaus Payment Options
Arhaus offers several ways to pay your bills which is super convenient for different shopping styles. Whether you’ve purchased a stunning sectional or that perfect dining table, here’s how you can handle your payments
Archarge Credit Card Payments
The Arhaus Archarge Credit Card is the primary payment method most customers use for larger purchases. Based on the information from the Arhaus website, this card offers some pretty sweet benefits:
- No interest if paid within 6 months on purchases of $399 or more
- No interest if paid within 24 months on purchases of $5,000 or more
- Earn $100 in Rewards for every $1,500 spent on qualifying purchases
To pay your Archarge Credit Card bill, you’ll need to visit the Comenity Bank portal at d.comenity.net/ac/arhaus/public/home. Unfortunately, the specific link seems to be experiencing technical difficulties (showing an Incapsula incident error), but you can always reach the payment portal through your account or by searching “Comenity Bank Arhaus login.”
Payment Plan Details
The Archarge card offers two main promotional financing options
| Plan | Minimum Purchase | Interest Terms |
|---|---|---|
| 6 months | $399 | No interest if paid in full within period* |
| 24 months | $5,000 | No interest if paid in full within period* |
*Important note Interest will be charged from the purchase date if you don’t pay the full amount within the promotional period. The current APR (as of July 2025) is 35.99%, which is pretty high, so I’d definitely recommend paying within the promotional period!
How to Pay Your Arhaus Bill
Let me walk you through the different ways to pay your Arhaus bill:
1. Online Payment
This is definitely the easiest method and the one I use most often:
- Sign in to your Archarge account at the Comenity Bank website
- Navigate to the payment section
- Enter your payment information
- Submit your payment
2. Phone Payment
If you’re not tech-savvy or prefer talking to a real person:
- Call Arhaus customer service at 866-427-4287
- Have your account information ready
- Follow the prompts to make your payment
3. Mail Payment
For those who prefer the traditional route:
- Make check payable to Arhaus Credit Card
- Include your account number on the check
- Mail to the address provided on your statement (usually a Comenity Bank address)
4. In-Store Payment
If you’re near one of their stores:
- Visit any Arhaus retail location
- Bring your statement or account information
- Make your payment at the customer service desk
Managing Your Archarge Credit Card Account
To get the most out of your Arhaus credit card, here’s what you should know:
Enrollment and Account Creation
When you first get approved for your Archarge card, you’ll need to:
- Create an online account at the Comenity Bank portal
- Register for paperless statements (saves you the $2.99 monthly fee for paper statements)
- Enroll in the Arhaus Rewards program to earn those $100 rewards for every $1,500 spent
Tracking Your Promotional Period
One thing I learned the hard way – you really need to track when your promotional period ends! I nearly missed my 6-month deadline and almost got hit with all that back-interest. To avoid this:
- Mark the end date on your calendar
- Set up reminders a month before your promotional period ends
- Consider setting up automatic payments to ensure you’re paid off in time
Arhaus Rewards Program
The rewards program is tied to your Archarge card and offers some nice perks:
- $100 in rewards for every $1,500 spent
- Only available at non-loft retail locations
- Only applies to revolving or 6-month plan purchases
Note that purchases placed on promotional plans longer than 6 months won’t earn rewards, which is kinda disappointing if you’re buying something expensive and using the 24-month financing.
Common Issues with Arhaus Bill Pay
During my experience with Arhaus payments, I’ve encountered a few hiccups that you might want to be aware of:
Technical Problems
Sometimes the Comenity Bank portal has technical issues (like the Incapsula error mentioned earlier). If you encounter this:
- Try clearing your browser cache
- Use a different browser
- Try again later or call customer service
Payment Processing Delays
Keep in mind that payments can take 1-3 business days to process. If you’re close to your due date, it’s better to pay a few days early to avoid late fees.
Rewards Not Showing Up
I had an issue where my rewards didn’t appear in my account. If this happens to you:
- Verify your purchase qualifies (remember, no rewards on plans over 6 months)
- Contact customer service at 866-427-4287
- Have your receipt and account info ready
Final Tips for Managing Your Arhaus Payments
Here are some lessons I’ve learned that might help you:
-
Calculate your monthly payments – For example, if you bought a $3,000 sofa on the 6-month plan, you’ll need to pay at least $500 per month to avoid interest.
-
Pay more than the minimum – The minimum payment won’t necessarily pay off your balance within the promotional period, so calculate what you actually need to pay.
-
Set up auto-pay – This has saved me from forgetting payments several times!
-
Keep track of your purchases – If you’re making multiple purchases, it can get confusing which items are on which promotional plans.
-
Check statements regularly – Review your monthly statements to ensure all payments are being applied correctly.
Managing your Arhaus bill payments doesn’t have to be complicated. With the options available through the Archarge Credit Card and Comenity Bank, you can find a payment method that works best for your situation.
I personally love my Arhaus furniture and find the financing options make it more accessible. Just remember to pay attention to those promotional periods – nobody wants to get hit with that 35.99% interest rate!
Have you had experiences with Arhaus bill pay? Any tips I missed? Feel free to share your thoughts!
PAYMENTS & PAYMENT OPTIONS
How is tax applied to my order?
Taxes are based on the laws and regulations of the state or province indicated by the shipping address. Each locale has different laws regarding the taxation of merchandise as well as freight and handling.
What forms of payment do you accept?
We accept the following: VISA, MasterCard, Discover, American Express, the Arhaus Credit Card (Archarge) as well as Arhaus Gift Cards and checks (by phone or in-store) and cash (in-store only).
Can I purchase or redeem an Arhaus Gift Card online?
To purchase or redeem a gift card please do so by phone at 866.427.4287 or by visiting one of our stores. Unfortunately, we cannot transact Arhaus Gift Cards online at this time.
How do I apply for an Arhaus Credit Card?
Apply for the Arhaus Credit Card online or visit your local store to fill out an application in person.*
Where can I find more information about my Arhaus Credit Card account?
To find more information around your Arhaus Credit Card account, please click here.
My residence won’t be ready for weeks. If I place my order, can you hold my items at your warehouse?
Merchandise in our warehouse cannot be held more than 90 days. After 90 days, full payment for the merchandise is required and delivery must be scheduled for your order. If you are unable to accept delivery beyond 30 days of your merchandise being fully committed in our warehouse, your order must be paid in full and cannot be returned, refused, canceled or exchanged.
Can I pick up my merchandise at my local store?
Floor samples and select décor items are available at local stores to take with you, however store pickup is not available for most items ordered through stores, phone or online.
Can I pick up my merchandise at the distribution center?
We do not offer pick-ups at our distribution center.
Will I receive all of the items on my order at the same time?
Depending on the items purchased and the delivery methods available for each item, your order could be delivered in multiple shipments. If any items delivered via White Glove Delivery Service are deferred, delivery will occur once all of the items become available and ready to ship. If you would like to split your deferred order into multiple shipments, additional delivery charges will be incurred. If you placed your order in a store, contact your Design Consultant. For all other orders, contact Arhaus by phone at 866.427.4287 or email [email protected]. Additional information about Delivery & Shipping.
Will my merchandise be assembled at the time of delivery?
Furniture, larger décor, uniquely shaped items, and items that are too fragile to ship through Small Parcel Delivery will be delivered using our White Glove Delivery Service. Our professionally trained delivery team will unpack, inspect, assemble, and place your furniture in the room of your choice as well as remove all packaging and debris. Please note: Please note: Our delivery team is not permitted to move or dispose of existing furniture or other items. Items such as lighting, mirrors, and wall art will not be unboxed, inspected, assembled or installed. Our delivery team is not permitted to install any electrical equipment or wall-mounted items. Items sent via UPS, FED-EX, or as curbside drop-offs do not include assembly.
Does someone need to be home to accept my delivery?
Yes. An individual 18 years or older, must be home to accept furniture delivery and inspect your order.
What if I have an issue during or after my delivery?
Contact Arhaus by phone at 866.427.4287 for Returns & Exchanges, or other questions.
Do you ship to Canada or other international destinations?
Deliveries to Canada, U.S. territories, and international destinations require custom quotes and order subtotals must be $7,000 or more. Please contact Arhaus for details.
What if my items do not fit upon delivery?
It is your responsibility to ensure furnishings fit through all interior structures and into the desired space. Please see our Measuring for Furniture Delivery guidelines. These are merely guidelines for measuring and do not guarantee your furniture will fit. Please note that if your item does not fit in your home, there will be a 10% restocking fee and the delivery fee will not be refunded.
PRODUCTS AND PLACING AN ORDER
Are all of your products available online?
Most of our products and custom options are available online, however not all pieces are shown. Connect with a Design Consultant seven days a week, at 866.427.4287 or at your local store to choose from hundreds of fine fabric and finish options or explore our one-of-a-kind furniture.
Do I need to create an account to order online?
For your convenience, Arhaus provides guest checkout – no account is needed to order online.
How can I ensure the furniture I am ordering fits in my home?
It is your responsibility to ensure furnishings fit in desired rooms, as well as through doorways, stairways, elevators and hallways. Please see our Measuring for Furniture Delivery guidelines. These are merely guidelines for measuring and do not guarantee your furniture will fit.
Do you offer in-home design consultations?
Arhaus Design Consultants are here to help realize your style story during a complimentary in-home or in-store design consultation. Visit your local store today to schedule your complimentary design consultation!
Does Arhaus warranty its merchandise?
At Arhaus, we’re committed to products of great integrity—furniture made with uncompromising quality and care. In a world prone to disposal, the durability of our products only makes sense–for all of us and for our environment. Arhaus warrants its merchandise to be free of defects in both construction materials and workmanship from the date of delivery for the number of years noted in our Limited Warranty when used in a residential (non-commercial) setting. Our Worry-Free Protection Plans include coverage for accidental damage which is not covered by our Limited Warranty. Learn more about purchasing Worry-Free Protection Plans.
“ARHAUS INC (ARHS)” Value Analysis – Value Investment Club Readings
FAQ
What payment methods does Arhaus accept?
We accept the following: VISA, MasterCard, Discover, American Express, the Arhaus Credit Card (Archarge) as well as Arhaus Gift Cards and checks (by phone or in-store) and cash (in-store only). Can I purchase or redeem an Arhaus Gift Card online?
How do I pay my Arhaus credit card?
Comenity Bank issues the Arhaus credit card. Pay by phone: 1-888-245-4064 is the Arhaus credit card payment phone number. Pay by Mail: Comenity Bank, PO Box 182273, Columbus, OH 43218 is the Arhaus credit card payment mailing address.
How do I pay my Arhaus Bill?
You can pay your Arhaus bill online, over the phone, or by mail using the methods listed below. Pay Bills Online: The online account service allows you to login and pay your bills at your leisure, whether by single payments, payments scheduled for a later date, or automatic payments, as well as manage your account in general.
Are Arhaus credit card offers subject to credit approval?
Credit card offers are subject to credit approval. Arhaus Archarge Credit Card Accounts are issued by Comenity Bank. Sign up today for Arhaus’ Private Label Credit Card, Archarge. Earn rewards based on how much you spend or take advantage of our financing options.
How do I purchase or redeem a Arhaus gift card?
To purchase or redeem a gift card please do so by phone at 866.427.4287 or by visiting one of our stores. Unfortunately, we cannot transact Arhaus Gift Cards online at this time. How do I apply for an Arhaus Credit Card? Apply for the Arhaus Credit Card online or visit your local store to fill out an application in person.*
What is the Arhaus archarge credit card rewards program?
Earn $100 in Rewards for every $1,500 spent in qualifying purchases on your Arhaus Archarge Credit Card. Offer limited to non-Loft locations only. Available to regular or 6-month plan purchase only.** Register online and manage your Arhaus Archarge Credit Card Account from your computer, smartphone, or tablet, anywhere in the world.
How do I contact Arhaus credit card customer service?
Existing Cardholders: see your credit card agreement for Account terms. **Offer only available at non-loft retail stores, online and by calling 1-866-427-4287.
What is the credit limit for Archarge?
Here’s the average credit limit of members who matched their Arhaus Archarge Credit Card or similar cards. The average credit limit for members who have matched with this card or similar cards is $9,593, with $3,000 being the most common.
Does Arhaus have a payment plan?
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What bank does Arhaus use?
Note: Your Arhaus Archarge Credit Card account is issued by Comenity Bank.
