7 Easiest Jewelry Store Credit Cards to Get

Shopping for good jewelry is always expensive, no matter how fat your wallet is, so go ahead and invest in one of the 7 easiest jewelry store credit cards to get. Jewelry store credit cards are there to help you out in the situation of buying jewelry But which jewelry credit card should you pick and which will be easy to get?

A credit card is a payment card issued to users (cardholders) to offer the cardholder to pay a businessperson for products and services supported by the cardholder’s promise to the card establishment to pay them for the amounts therefore paid and the opposite in agreement charges. The specified bank that issues the credit card creates a revolving account in their bank and grants a line of credit to the cardholder, and from that the cardholder will borrow cash for payment to a businessperson or as a sum of money. In other words, credit cards mix payment services with extensions of credit. If you are looking for the easiest guaranteed approval credit card offers, take a look at this list of 11 easiest credit cards to get with bad credit. There are many jewelry cards including easy credit approval department store cards and others that are considered among the easiest jewelry credit card to get.

Shopping for good jewelry can be very expensive, no matter how big your budget is. But you will be happy to know that many of the biggest and most famous jewelry chains offer credit cards to help their customers financially. It will at least make your purchase a little bit easier on your wallet for the time being. By now, you are probably wondering which shop is the easiest for jewelry card approval. For your information, there are some requirements to know first, to apply for a jewelry credit card. A decent credit score is needed for kay jewelers, and you’ll have to make Zales’ financing credit score to get their card. But the Jared credit card comes to the rescue, as the Jared credit card requirements are relatively easy to fulfill. As with anything money-related, you’ll want to keep your eyes open for bad credit jewelry financing. To write this article and make the list, we have reviewed many jewelry stores. We have also read and looked into the most popular crown jewelers reviews. The 2% cash back is also a great benefit in a credit card, so maybe you will also love our list of 5 credit cards with 2% cash back on everything.

To create this list of easiest jewelry credit cards, we have checked all the famous national jewelry shop’s websites to check their requirements and to check the easiest jewelry credit approval. Then we have chosen a few stores and checked their reviews on different review websites online like Quora and NerdWallet to create the ranking. To rank the stores in an order, we have looked into their standard APR, minimum monthly payment, late fees, card perks, purchase requirements, instant approval system, application and much more. We hope you will find this list informative and helpful for your next card.

So, what are you waiting for? Read our list of 7 easiest jewelry store credit cards to get and choose your next jewelry store credit card.

7. Blue Nile

The Blue Nile credit card has a standard APR rate of 27.24%. There is also a financial option for the customer for a 9.99% APR if they can pay in full 24 to 60 months. The minimum monthly payment for this card is $27 and the late fee is only $35. They also offer exclusive financial offers and promotions for special members. Blue Nile jewelry store credit cards have high approval rates, and you can apply for the card in their store or online.

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.

5. Jared The Galleria of Jewelry

Jared “The Galleria of Jewelry’s” credit card has a standard APR of 17% to 24.99%. Their minimum monthly payment is 1/12th of the purchase. The late fee for this credit card is $37, and they have no annual fee and no card perks. This jewelry store also has an instant approval system, so you can start buying in little to no time. You can apply for your card in-store or online.

4. Helzberg Diamonds

Helzberg Diamonds’ credit card has standard APR of 26.9%. Their minimum monthly payment is greater than $25 and 1% of your new credit balance. The late fee for this card is $35 and if you do this the APR will increase to 28.9%. They have no annual fees and do free shipping. They offer many exclusive offers and gifts for their members, which is an added bonus. They have 6, 12, and 18 months of zero interest options available.

3. Zales

The Zales credit card ranked three on our list of 7 easiest jewelry store credit cards to get. Zales’ credit card has standard APR of 29.4%, and the minimum payment for the month is $25. They have a rule of purchasing with a minimum of $150, with six-month special financing. They have a moderately high approval rate and you can apply for their card in-store or online.

2. Kay Jewelers

Kay Jewelers’ credit card has a standard APR of 17%-26.99%, and their minimum monthly payment is 1/12th of the purchase but not less than $40. They also have a deferred interest system and the late fee is $37. They don’t charge an annual fee, and their approval rate is moderately high and you can apply in-store or online.

1. Crown Jewelers

Crown Jewelers ranked first on our list of easiest jewelry store credit cards to get. They have standard APR of 21%. This is the easiest of all the credit cards for all the jewelry stores to get. Their monthly payment is a minimum of 5% of outstanding balance or 25% (whichever is greater). They have no options for card perks, however, but they do have an instant card approval system. Crown jewelry store credit cards are easiest to get because they do not check the credit of individuals and approve pretty much everyone.

That’s sums up our list of 7 easiest jewelry store credit cards to get. If needed check the list again and choose your next Jewelry store credit card.