The Kay Card

At Kay Jewelers, we're committed to giving our customers exceptional service and making shopping with us a pleasure - easy and convenient for you. So we created Kay Credit. Qualifying for Kay Credit is quick, simple and secure, and we offer competitive terms and a number of financing options.

For a quicker application process, please be prepared to provide information from applicant's drivers's license, current employer contact information, and personal reference contact information. With all required information on hand, the average time to complete this application is 5 minutes.

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Credit Financing Offers


  • No interest on your purchase if paid in full within 12 months.

  • If the purchase balance is not paid in full in 12 months, or if you fail to make any required minimum payment within 60 days of its due date, interest will be charged to your account from the date of purchase at the APR for Regular Purchases (which is 17% to 26.99% depending on the state). See the Regular Card Credit Terms disclosure below.

  • Available only for a total purchase of $500 or more.

  • 20% Down Payment Required.

  • The required minimum payment for the plan is 1/12th of the purchase rounded up to the nearest $5.00, but not less than $40.


  • APR for Regular Purchases: 26.99% APR; except in AL, 21% APR to $750.00, 18% APR over $750.00; in AR, 17% APR; in CO, GA, IN, MS, OK, TN, TX, VT and WY, 21% APR; in DC and MD, 24% APR; in HI, MA, MN and NC, 18% APR; in MI, NY, OH and WV, 24.99% APR; and in NE, 21% APR to $499.99, 18% APR for $500.00 and over.

  • Minimum Interest Charge $1.00, except $0.70 in MI, MO, NY, TN and TX; except $0.50 in AL, AZ, CO, IN, ME, MA, MN, MS, MT, NJ, OK, SC, SD, VT, WV and WY; and no minimum in AR, DC, IA, MD, NE, NM, NC and RI.

  • State dependent terms vary by your state of residence or, for non-US residents, the state in which the account was opened.

  • See the Retail Installment Credit Agreement for additional details.

All accounts are subject to credit approval. We also offer a variety of additional payment options such as: Cash, Check, Visa, MasterCard, Discover, American Express and In-Store Layaway.

Frequently Asked Credit Questions

What are the advantages to paying my bill on-line?

* It's Convenient

* It's Simple

* It's Available 24 hours a day, 7 days a week

Are there any restrictions to the amount I can pay on-line?

You have the ability to pay up to the total balance on your account.

What if I am past due on my payment and need assistance?

We understand that difficult times can make paying your bills harder. We would like to help. In order to help with your specific situation, we need to speak with you. Please call us at 1-800-877-8194.

What if I need assistance or have questions, who can I contact?

E-mail us at Kay Customer Care or call 1-800-877-3616.

When will my on-line payment be posted to my account?

Payment will be posted to your account on the same day it is received. Any payment received after 11:00 PM (Eastern Time) will be posted the following day.

What happens if I make my payment on the weekend or on a Holiday?

Payment will be posted to your account on the same day it is received. Any payment received after 11:00 PM (Eastern Time) will be posted the following day.

Can I date my payment for a future date?

Yes, you may date your payment for a future date.

How long does it take from the time I make a payment until the funds are debited from my bank account?

We process payments daily, but we cannot determine the exact timing of the actual withdrawal.

Do I have to enter my payment information every time I make a payment?

No. You can choose to save your checking or savings account information when you enter your payment information.

Can I set up automatic payments on-line, to pay my bill each month?

You may set up payments to recur each month on a specified date for a specified amount, for up to 24 months.

NOTE: If you make additional purchases which increase your monthly minimum payment, you will need to go on-line and adjust the payments as needed to meet the minimum monthly payment owed if you wish to continue to pay your bill that way. Please review your statement each month to be sure the payment is sufficient.

What is a pending transaction?

A pending transaction is one that has yet to go through our daily system processing. Once this processing is complete, the transaction will be updated on your account.

If I want to mail a payment , what address should I send it to?

Kay Jewelers
PO Box 740425
Cincinnati, OH 45274-0425

How do I change my Personal Account Information (i.e. address, phone number, e-mail address)?

To change your Registration address, phone number, or email, go to the Personal Information link under My Account. To change your Credit Account address or phone number, go to the Credit Account link under My Credit Account and select Update Credit Account Profile.

I forgot my password; can I get it emailed to me?

Visit our password reminder page and a new password will be delivered to your email address. Please remember to enter the email used when you registered. We'll email you a link to reset your password.

Can I change my password or email address?

After you login, visit our registration page and you can modify your e-mail address and your password.

I've opened another Kay Jewelers account, how do I access this account when I login?

You can easily add additional accounts to your online profile by visiting the register credit account page.

What is Registering a Credit Account?

Registering a Credit Account allows you to access an account each time you visit Once an account is registered, you will see it listed under your List of Credit Accounts.

What is Unregistering a Credit Account?

Unregistering a Credit Account allows you to remove an account you have previously registered. Once an account is unregistered, you will no longer see the account under your List of Credit Accounts.

Can I receive a copy of my Kay Jewelers Credit Card Agreement?

A copy of the current Kay Jewelers Credit Card Agreement may be obtained at the following link .

How Can I get a copy of the Kay Jewelers Credit Card Agreement specific to my account?

A copy of your current Kay Jewelers Credit Card Agreement may be obtained by contacting customer service at the following link.