What is the easiest jewelry credit card to get?

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 some of the most popular jewelry cards.

Easiest Jewelry Credit Cards to Get

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 35% off your first purchase and 1 point per $1 on all purchases. The Amazon.com Store Card gives 5% back in rewards 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 Chase Sapphire Preferred® Card gives you 60,000 bonus points for spending $4,000 in the first 3 months of account opening. You could use it to buy an engagement ring and save on your honeymoon with the points. It’s easy to use credit cards to your advantage if you plan ahead.

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.