Chip Lupo, Credit Card Writer
@CLoop
Yes, Wells Fargo offers several jewelry store credit cards. One of the most notable Wells Fargo jewelry credit cards is the American Gem Society Credit Card, which can be used at specific jewelry stores that are members of the American Gem Society and have opted in to their credit card program.
The American Gem Society Credit Card comes with a $0 annual fee, but has a relatively high 28.99% APR. Like most store cards, the American Gem Society Credit Card requires fair credit or better (a score of 640+) for approval.
Wells Fargo Jewelry Credit Cards
- American Gem Society Credit CardLearn MoreLearn More
- American Gem Society Credit CardLearn MoreLearn Moreon issuer's website
- American Gem Society Credit CardLearn MoreLearn More
This card can be used at certain jewelry stores that are members of the American Gem Society. Individual stores may offer deferred interest promotions, and the card has a regular APR of 28.99%.
- Riddle's Jewelry Credit CardLearn MoreLearn More
- Rates & Fees Riddle's Jewelry Credit CardLearn MoreLearn Moreon issuer's website
- Riddle's Jewelry Credit CardLearn MoreLearn More
This card can be used at Riddle's jewelry stores. It has a $0 annual fee and offers deferred interest: 0% - 9.9% for 6 - 36 months (regular APR of 28.99%).
Jewelry Advantage Credit Card Program
- In this program, individual businesses issue their own credit cards through Wells Fargo and can choose their own deferred interest promotions.
- One such card is the Reines & Rogers Jewelers Credit Card.
- If you own a Jewelry Advantage Credit Card, you can search for businesses that accept it by entering your information on Wells Fargo's dedicated web page.
If you're not committed to getting a Wells Fargo jewelry credit card, feel free to check out jewelry credit cards from other issuers. Just note that these cards also use deferred interest promotions. That means you pay no interest or a reduced rate for a specific time frame. But unlike a regular 0% APR credit card, if you fail to pay your balance in full by the end of that promotional period, it will trigger a high regular APR that is applied to the original purchase amount.
People with at least good credit can qualify for consumer credit cards with true introductory APR offers, which are much better for making an expensive jewelry purchase. Or you could consider holding off on your purchase until you have enough cash.
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The easiest jewelry credit cards to get include the Helzberg Diamonds Credit Card, the Riddle's Jewelry Credit Card, the Jared 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...
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