Maria Adams, Credit Cards Moderator
@m_adams
The easiest jewelry credit cards to get include the Helzberg Diamonds Credit Card, the Riddle's Jewelry Credit Card, the Blue Nile Credit Card, and other jewelry store credit cards. You have about the same chance of getting all of them because they’re all store cards that require fair credit for approval. So, your best bet is to go for the card associated with whichever jewelry store you like the most. You could also consider a card affiliated with a more general store that sells jewelry among other things, like the JCPenney Credit Card.
Keep in mind that it’s best to avoid using a jewelry credit card for financing because most, if not all of them, use deferred interest. In other words, they give you a low introductory (often 0%) interest rate, but they still calculate how much interest you would have accrued during that period at the normal interest rate. If you don’t pay off your balance in full by the end of the introductory period, you owe all the interest. So that’s something to be wary of.
Easiest Jewelry Credit Cards to Get
If you want a store card that can be used for jewelry but also for other things, there are some additional options. For example, the JCPenney Credit Card gives you $35 off your first purchase of $35 or more, or $125 off your first purchase of $500 or more and 1.5 points per $1 on all purchases. The Prime Visa gives 5% off all Amazon purchases when you have a Prime account. And the Target Credit Card gives you a 5% discount on all Target purchases.
You could also consider non-store cards with good bonuses. For example, the Chase Sapphire Preferred® Card gives you 75,000 points for spending $5,000 on purchases in the first 3 months of account opening, worth $750 when redeemed for cash, gift cards, and travel. You could use it to buy an engagement ring and save on your honeymoon with the points. It’s easy to use credit cards to your advantage if you plan ahead.
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Nicholas Torres, Member
@ntorres_gaming
Hadn’t thought of that! Good call. If my girlfriend gets mad about where I bought her jewels, I’m gonna blame you LOL
Mia Collins, Member
@miacollins
You can buy jewelry on Amazon. Amazon has a secured card for bad credit. So I guess that?
MM Turner, Member
@matt_t_official
I think you’ll find they’re all pretty easy to get if you’re spending enough…
Trent Boshkin, Member
@trent_boshkin
They're all pretty much the same as far as score requirements go, so all you should focus on is the shop with the jewelry you prefer.
Christopher Ross, Member
@c_ross_writer
Kay's seems to be the easiest - got approved with scores in the 500s for $3k. Just know they're owned by the same company as Jared so your limit gets split if you get both.
People also ask
What Comenity Bank credit cards are easy to get?
The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you’ll need a score of about 640 or higher. And since the average person’s credit score is about 40 points above that, these cards are well within reach for most of us.
Unfortunately, Comenity Bank doesn’t offer any cards for people with bad credit, so its cards aren’t quite as easy to get as secured credit cards, for...
read full answer by Maria Adams, Credit Cards ModeratorHow do I get pre-approved for the Kay Credit Card?
You cannot check for Kay Credit Card pre-approval online. Comenity does not offer this feature, so if you’re interested in applying for this card, make sure your credit score is high enough and confirm you meet the eligibility requirements listed in the terms and conditions.
You can, however, use WalletHub’s CardAdvisor tool and see how easy it is to find the right credit card for you. Just answer a few general questions, and CardAdvisor will provide...
read full answer by William Memphis, WalletHub Credit Card AnalystDoes the Zales Credit Card do a hard pull?
Yes, the Zales Credit Card does a hard pull. You will need a credit score of at least 640 to get it. This means that your credit score must be at least fair, for higher chances of approval.
A hard pull usually causes an applicant's credit score to drop by a few points. Most people’s scores, however, bounce back within a few months, with responsible use.
read full answer by John Miller, Credit Cards ModeratorDid we answer your question?
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