Houzz Credit Account Application

Step 1: Application

Credit Card
Earn Houzz Reward Dollars with the Houzz Credit Card
  • 5% back in Houzz purchases1
  • $50 after your first Houzz purchase2
  • Get Special Financing on purchases when you meet minimum spend limits3

1,2,3See All Benefits

View Rewards Terms & Conditions

Note: The Houzz Credit Card account is issued by Comenity Capital Bank. Review our Financial Privacy Policy and Online and California Privacy Policy for more information. California Residents: Visit this page to request that we Do Not Sell My Personal Information.

Your Personal Information


-Select One-

Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. 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.

Contact Information

PO Box mailing addresses are not accepted.
-Select One-

By providing your contact information, including any mobile 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 email.

Add Authorized Buyer

Authorized buyers are allowed to purchase on your Account; however, as the primary account holder, you are responsible for payments on all purchases.

You may add one authorized buyer to your account at this time. Once your account is open, you may add up to four total authorized buyers.

Add an Authorized Buyer to your account?

Enter Referral Code

If you received a referral code with your credit card offer, please enter it now. Your code may include up to 10 characters (including letters and numbers) and is not case sensitive.
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Cancel Application

You are about to cancel your application. Are you sure you want to cancel? This action cannot be undone.

Yes, Cancel Continue With Application

Cancel Application

By clicking "Cancel", this form will not be submitted and you will return to https://www.houzz.com

No, continue Application

Cancel Acceptance

By clicking "Cancel", this form will not be submitted and you will return to https://www.houzz.com

No, continue Acceptance

Warning!

Your session is about to expire. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session.

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The Houzz Credit Card account

  • 5% back in Houzz purchases1
  • $50 after your first Houzz purchase2
  • Get Special Financing on purchases when you meet minimum spend limits3



1 Subject to credit approval. Offer is exclusive to Houzz Credit Card holders enrolled in the Houzz rewards program. Excludes services. This rewards program is provided by Houzz and its terms may change at any time. For full Rewards Terms and Conditions, please see houzz.com/rewards-terms. 


2 Subject to credit approval. Offer will be received within two billing cycles after first purchase. Offer is exclusive to Houzz Credit Card holders enrolled in the Houzz program. This rewards program is provided by Houzz and its terms may change at any time. For full Rewards Terms and Conditions, please see houzz.com/rewards-terms. 


3 6 Months Deferred Interest, Payment Required - No interest if paid in full within 6 months on Houzz purchases of $350 or more made with your Houzz Credit Card on Houzz purchases. Interest will be charged to your Account from the purchase date if the purchase balance is not paid in full within the promotional period. 


12 Months Deferred Interest, Payment Required - No interest if paid in full within 12 months on Houzz purchases of $700 or more made with your Houzz Credit Card on Houzz purchases. Interest will be charged to your Account from the purchase date if the purchase balance is not paid in full within the promotional period. 


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. The sum of the required payments each billing period won't be less than $30 (or Account balance if less). 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. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Not valid on services. 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. Subject to credit approval. As of June 2019, terms for New Accounts: Purchase APR of 26.99%. Minimum interest charge of $2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: See your Credit Card agreement for Account terms.

Houzz Credit Card Accounts are issued by Comenity Capital Bank. 

Houzz is a registered trademark of Houzz Inc.

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Reward Terms and Conditions

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Important Information About Your Credit Report.

What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov or the Federal Trade Commission's web site at www.ftc.gov.


What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.


Your credit score as of 08/11/2020: 0


 

We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.


Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.

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Your Temporary Account

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Name: Temporary Account Number: CVC/CVV: Expires On: Temporary Credit Limit: $0 Please sign here:
This temporary card is not valid until signed.
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Know how to use your temporary account

Please print or write down your Temporary Account information for your records. Once this page is closed, this information will be unavailable to access online. You may use your Temporary Shopping Pass at Houzz.com as if it were your actual credit card with the following restrictions - once any of the limitations below are met, your temporary account number will no longer be valid for use:

  • You may use this Temporary Shopping Pass for up to
  • A single transaction cannot exceed $0.00
  • You may use the Temporary Shopping Pass for up to 0 transactions
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Welcome Offer

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Scan Barcode as Payment

Scan this barcode to use the customer's new Houzz Credit Card account as payment.
Name on Card: Account Number: Credit Limit: $0
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