Kay Jewelers Credit Card

Express Your Love Your Way. Enjoy Zero Down Special Financing* on purchases of $300 or more with the KAY Jewelers Credit Card issued by Comenity Bank.

Nothing Should Get in the Way of Love. Use your KAY Jewelers Credit Card and select a Special Financing* plan that works best for you.

  • 6 Months Special Financing: $300 minimum purchase*
  • 12 Months Special Financing: $750 minimum purchase*
  • 18 Months Special Financing: $3000 minimum purchase*
  • 36 Months Special Financing: $1,500 minimum purchase*
  • Treat yourself to something wonderful during your birthday month with $100 off.*
  • Cardholder's Anniversary: Celebrate with a special offer, just for you with $100 off.*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit, Limited Credit Personal $0* N/A* N/A* 29.99%* None

Kay Jewelers Credit Card Quick Summary:
This Store offer is issued by Comenity Bank. The Kay Jewelers credit card is intended for "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. Flexible financing options and promotions may be appealing for cardholders. Rates may vary among applicants, however the lowest standard APR is 29.99%* (Variable)*.

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 Comenity Bank 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 if balance is paid in full by the due date.

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

Our Editor's Commentary:
Reasons to Choose Kay Jewelers

There's no shortage of jewelry stores online and brick and mortar to choose from. Despite the competition, Kay Jewelers has carved out a niche as one of the best in the business.

In addition to 1,000+ stores, Kay Jewelers is known for its large selection, high-quality merchandise, and competitive pricing. Furthermore, its customer service is second to none, with personal attention and expert advice provided at every one of its stores.

No matter the size of your purchase, Kay Jewelers has a payment option to match your personal and financial circumstances. These include:

  • Kay Jewelers Comenity Bank credit card
  • Lease purchase program
  • Installment loan

The Kay Jewelers credit card is often the best choice, as it allows you to complete your purchase today and pay back the balance in time. Additionally, as a revolving line of credit, you can maintain an open account for future purchases.

A few minutes inside a Kay Jewelers store or browsing its website is all it takes to realize why the brand has been an industry leader for more than 100 years.

The Kay Jewelers Credit Card is a retail card that offers financing, and lets you carry a balance to pay over time. While this may be a good way to build credit, the high interest rate is not worth keeping a balance on your card unless a promotion applies to these charges.

There are several no interest promotions, such as the 12 and 36 month offers. These are great, as long as you can pay the balance before the promotional period ends, and you are charged high rates of interest.

There are 2 versions of the Kay Credit Card. One is issued by Commenity Bank, and the other, the Sterling Jewelers card is serviced by Genesis FS Card Services.

The Kay credit card can only be used at Kay Jewelers, so if you are interested in a card that can be used for everyday purchases, this is not the card for you. Consider a secured or traditional line of credit from Visa and Mastercard. However, if you are looking at special financing, special offers and promotions then this card is certainly worth consideration.

Approval Rate:
There were 66 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.

This card has a very poor approval or acceptance rate. This could be due to the fact that applicants changed their decision after wanting a traditional credit card such as a Visa, Mastercard, Discover Card or American Express card. Furthermore, if your FICO score is close to or higher than 604, then your chance of approval may be even greater.

Approval Time:
The Kay Jewelers credit card offers pre-qualification, which is not a final credit decision. All applications are subject to credit approval. If you are approved, you can register your account for online account benefits such as 24/7 account access, free online bill pay, and viewing account statements.

Community Opinion:
Based on community reviews, we found that 93% of 41 users recommend this card.

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