6. The Jewelry Exchange
The Jewelry Exchange credit card has standard APR of 29.99%. The monthly payment is more than $25, and the late fees for this credit card are $37. There is no instant approval system. The purchase requirement is a minimum $500, which isn’t much when you’re looking at jewelry. You can apply for their card in-store or online with their 72-hour verification process. It is recommended to apply in person rather than online.