¹Cannot be combined with other offers. Valid one time only. Duplicate offers will not be accepted. Qualifying cardholders received redemption details via email and/or direct mail during the offer period. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. Off ticketed price. Excludes Now + Forever® Natural and Lab-Created Diamond solitaire rings, Armani Exchange, Emporio Armani, Bulova Frank Sinatra, Bulova Marc Anthony, Bulova Archive Series, Casio, Coach, Fossil, Hamilton, Hugo Boss, Kate Spade, Lacoste, Mido, Movado, Skagen, Tissot, and select JBW watches, smartwatches, watchbands, loose diamonds and gemstones, Teddy Bear Jewelry Collection honoring St. Jude®, Le Vian® Vault online collection, KAY Signature, Rocksbox, clearance, closeouts, previously owned merchandise, ear piercing merchandise, specially priced merchandise, special events, custom design jewelry, jewelry cleaning items, charity items, protection plans, repairs and services, gift cards, and previous purchases. Offer may exclude certain new items, designer brands, and licensed or exclusive collections. Promotions, prices, styles and availability may vary by store and online. See a Jewelry Expert in-store or chat with an Expert online for full details. Offers cannot be redeemed for cash or used as payment on layaway or your KAY Jewelers Credit Card account. Purchase must be made with your KAY Jewelers Credit Card in-store or online at KAY.com and KAYOutlet.com. Discount will not be applied until the KAY Jewelers Credit Card is selected as a Payment Method and the card number is entered. Offers cannot be combined on the same transaction. Offers valid 10/1/25 - 10/31/25 at 11:59 PM ET.

²Offer only available at KAY and KAY Outlet stores. Qualifying cardholders received redemption details via email and/or direct mail during the offer period. Cannot be combined with other offers. Valid one time only. Duplicate offers will not be accepted. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. Available in-store only towards a repair service when payment is made in full. Repair Service discount cannot be redeemed on loose diamonds or gemstones, protection plans, purchases made with trade-ins, or on previous repair services. Any fine jewelry qualifies for this offer - we work on all gold, platinum, and sterling silver jewelry. Offer cannot be redeemed for cash or used as payment on layaway or your KAY Jewelers Credit Card account. Purchase must be made in-store with your KAY Jewelers Credit Card. Discount will not be applied until the KAY Jewelers Credit Card is selected as a Payment Method and the card number is entered. See Jewelry Expert for details. Valid 10/01/25 - 10/31/25.

³Offer only available at KAY and KAY Outlet stores. Qualifying cardholders received redemption details via email and/or direct mail during the offer period. Cannot be combined with other offers. Valid one time only. Duplicate offers will not be accepted. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. Available in-store only towards a Custom Design item when payment is made in full. Custom Design discount cannot be redeemed on loose diamonds or gemstones, protection plans, purchases made with trade-ins, or on previous design services. Offer cannot be redeemed for cash or used as payment on layaway or your KAY Jewelers Credit Card account. Purchase must be made in-store with your KAY Jewelers Credit Card. Discount will not be applied until the KAY Jewelers Credit Card is selected as a Payment Method and the card number is entered. See Jewelry Expert for details. Valid 10/01/25 - 10/31/25.

⁴Must have made a purchase 10/1/25 - 10/31/25 11:59PM ET. Valid one time only. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received by qualifying cardholders via email 12/30/25. Must have valid email address and U.S. mailing address.

*Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges.  Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. As of August 2025, terms for new Accounts: Purchase APR of 35.99%. Variable Penalty APR up to 39.99%, based on Prime Rate. Minimum interest charge of $3 in any billing period in which interest is due. Promotional Plan Transaction Fee is 2% of the promotional plan purchase. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.

^{^}Application and approval must occur same day to receive the offer. Offer only available at KAY and KAY Outlet stores.  Cannot be combined with any other offer or coupon. Cannot be combined on the same transaction. Duplicate offers will not be accepted. Offers will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. Valid one time only. Excludes Now & Forever®, Adore®, and Lab-Created Diamonds by KAY solitaire rings, Armani Exchange, Bulova Frank Sinatra, Bulova Marc Anthony, Bulova Archive Series, Casio, Coach, Fossil, Hamilton, Hugo Boss, Kate Spade, Mido, Movado, Skagen, Tissot, and select JBW watches, smartwatches, watchbands, loose diamonds and gemstones, Teddy Bear Jewelry Collection honoring St. Jude®, Le Vian® Vault online collection, clearance, closeouts, previously owned merchandise, ear piercing merchandise, personalized jewelry, specially priced merchandise, special events, jewelry cleaning items, charity items, protection plans, repairs and services, purchases made with trade-ins, purchases of gift cards and previous purchases. Promotions, prices, styles, and availability may vary by store. Offers exclude designer brands, licensed or exclusive collections, and new arrivals. Application and approval must take place the same day, and first purchase must be made by 10/31/25 to receive the offer. Valid for new credit applicants only. Minimum purchase amounts do not include taxes and shipping. Must have valid email address and U.S. mailing address. See a Jewelry Expert in-store for full details. Offers cannot be redeemed for cash or used as payment on layaway or your KAY Jewelers Credit Card account. Purchase must be made with your KAY Jewelers Credit Card in-store only at KAY and KAY Outlet stores. Discount will not be applied until the KAY Jewelers Credit Card is selected as a Payment Method and the card number is entered. Valid 10/1/25 - 10/31/25.