The easiest jewelry credit card to get is pretty much any jewelry credit card, including the Helzberg Diamonds Credit Card, the Iddeal Jewelry Credit Card, and the Zales Credit Card. You have about the same chance of getting all of them because they all are store cards that require fair credit for approval. So, your best bet is to go for whichever jewelry store’s card has the benefits you like best. You could also consider a more general store card for a place that sells jewelry among other things, like the JCPenney Credit Card.
Keep in mind that it’s best not to use 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 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 the interest. So that’s something to be wary of.
With that said, let’s take a look at the benefits and terms of some of the most popular jewelry cards.
Easiest Jewelry Credit Cards to Get:
Helzberg Diamonds Credit Card: $100 in store reward when your card arrives in the mail. $50 off $249+ purchase during the first year, on your birthday. 0% to 9.99% for 6 to 36 months deferred interest. 27.74% (V) regular APR. Up to $25 discount on purchases made during the holidays. $0 annual fee. Fair credit needed.
Zales Credit Card: 10% off repairs. $50 off $149+ purchase on your birthday. Free shipping. 0% to 16.99% for 6 to 36 months deferred interest. 29.99% regular APR. Exclusive coupons by email. $0 annual fee. Fair credit needed.
Iddeal Jewelry Credit Card: Flexible payment plans to help pay off your jewelry purchases. $0 annual fee. Fair credit needed.
Maui Divers Jewelry Credit Card: $0 annual fee. 0% for 12 to 36 months deferred interest on purchases. 28.99% regular APR. Fair credit needed.
Gordon's Jewelers Credit Card: $50 off a purchase on your birthday. Free shipping. 10% off repair. 0% to 9.99% for 6 to 36 months deferred interest. 29.99% regular APR. Exclusive coupons by email. None annual fee. Fair credit needed.
The Jewelry Exchange Credit Card: 0% for 6 months deferred interest. 29.99% regular APR. Annual fee: None. Fair credit needed.
Riddle's Jewelry Credit Card: 0% to 9.9% for 6 to 36 months deferred interest. 28.99% regular APR. Promotional offers at certain stores. $0 annual fee. Fair credit needed.
If you want a store card that can be used for jewelry but also for other things, here are some other good options: The JCPenney Credit Card gives you 15% off your first purchase and 1 point per $1 on all purchases. The Amazon.com Store Card gives 5% off all Amazon purchases when you have a Prime account. And the Target Credit Card gives you 5% discount off all Target purchases.
You could also consider non-store cards with good bonuses. For example, the Capital One Venture Rewards Credit Card gives you 60,000 miles for spending $3,000 in the first 3 months of account opening. You could use it to buy an engagement ring and save on your honeymoon with the miles. It’s easy to use credit cards to your advantage if you plan ahead.