Kay Jewelers® Credit Card

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Become a Kay Cardholder today. Applying is quick, simple, and safe.

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  • No Annual Fee
  • Use your card on kay.com or at any Kay Jewelers
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit, Limited Credit Personal $0* N/A* N/A* 17.00%* - 24.99%* None

Quick 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 17.00%* and may be as high as 24.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 604 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. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Sterling Jewelers, INC product.

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

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Approval Rate:
There were 64 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. 86% 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 604, then your chance of approval may be even greater.

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.

Community Opinion:
Based on community reviews, we found that 93% of 40 users recommend this card.

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