Kay Jewelers® Credit CardQuick Summary:
This Store offer is issued by Sterling Jewelers, INC. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. APR's may vary among applicants, however the lowest standard APR is 24.99%* (Variable)*.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.4% to the U.S. prime rate.
There is no annual fee for this card.*
This is not a rewards card.
Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 560 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.
The grace period listed for the Kay Jewelers® Credit Card is at least 25 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog.
There were 60 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 85% of those applicants were approved.
The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 560, then your chance of approval may be even greater.
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved.
Become a Kay® Cardholder today. Applying is quick, simple and safe.
- Apply instantly and shop today!
- No Annual Fee
- Use your card on kay.com or at any Kay Jewelers
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
|Avg. Annual Fee||$44.12**|
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
View rates and fees for all cards.