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Kay Jewelers® Credit Card

APR's:
There is not an introductory APR for this card, so the lowest or standard rate of 22.90% will apply immediately. 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.

Rewards:
This is not a rewards card. Although the APR is 22.90% and there are no rewards, you may want to consider that this card does not* have a annual fee.

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 score of at least 538 is recommended for a higher chance of approval for the Kay Jewelers® Credit Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Kay Jewelers® Credit Card is at least 25 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

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.

Approval Rate:
There were 20 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. 90% of those applicants were approved. There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. If you believe that you fall into the credit record of "Limited Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 538, then your chance of approval may be greater than other applicants.

Approval Time:
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.

Offer Details:

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

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**  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.

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