Per the Comenity credit card disclosure, the APR information is accurate as of 01/17/2016. Due to a change in the index, this information may have changed. Retail store credit card. Promotional financing available with Arhaus Credit Card Accounts offered by Comenity Bank who determines qualifications for credit and promotion eligibility. Promotional Financing Offer: Minimum purchase of $399 for 6 months and $1,500 for 12 months; Minimum monthly payments are required; If you don't pay the total amount before the end of the promotional period, card issuer will add the remaining purchase amount and the amount of accrued interest to your Regular Revolving balance. Returned Payment Fee: Up to $35.