Arhaus Archarge Credit Card Current Credit Card Agreements

Comenity Bank's filed agreement for Arhaus Archarge Credit Card Current Credit Card Agreements discloses a 35.99% purchase APR. The purchase rate sits at roughly the 97th percentile of the 4,587 agreements indexed here.

The disclosed terms

Comenity Bank filed this agreement for Arhaus Archarge Credit Card Current Credit Card Agreements with the Consumer Financial Protection Bureau. The filing runs 16 pages.

Terms captured from the document include a purchase rate and a late payment maximum. A cash advance rate, a balance transfer rate and a penalty rate are not stated.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

How the purchase rate compares

Measured against every other filing on the site, 35.99% is about the 97th percentile for purchase APR; it sits in the top few percent of the entire set.

The cost of carrying a balance

A $1,500 balance left untouched for twelve months accrues about $649 in interest at this purchase rate.

Against the corpus median of 21.99%, that is approximately $281 a year of extra interest on the same $1,500.

Per statement cycle that is on the order of $45.01 on $1,500, which is the number that actually shows up on a bill.

Small balances do not get a proportionally small bill — the agreement imposes a $3 minimum interest charge in any month where interest applies.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

What a missed payment costs

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

Grace period and minimum charge

A minimum interest charge of $3 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Inside Comenity Bank's filed lineup

This is one of 45 Comenity Bank agreements collected here. The issuer's own range is 30.24%–35.99%. At 35.99%, this agreement is dearer than 7 of its siblings.

What you cannot learn from the filing

This page cannot tell you anything about cash advances, balance transfer terms, an annual fee and a foreign transaction fee, because the filing's disclosure table as read does not contain them.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Reading the agreement yourself

This summary stands or falls on the linked PDF — 16 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

This is an expensive agreement by the standards of the corpus, driven by a 35.99% purchase rate that is inert for a transactor and punishing for a revolver. All of this rests on figures read from the filing with less than full confidence, which is reason enough to check the document before relying on any of it.