With The KAY Jewelers Credit Card, choose the Special Financing1 option that works best for your budget. Promotional Plan Fee may apply.
As a new cardholder, receive a Welcome Offer4 and start enjoying exclusive benefits like our Cardholder Appreciation Event5.
| Payback Period | Minimum Purchase | Interest Rate |
|---|---|---|
| 6 Months Financing2 | $300 | Zero interest if paid in full within 6 months. |
| 12 Months Financing2 | $1,000 | Zero interest if paid in full within 12 months. |
| 18 Months Financing2 | $4,000 | Zero interest if paid in full within 18 months. |
| 36 Months Financing3 | $1,500 | 16.99% APR for 36 months. After that, purchase APR of 35.99%. |
1Minimum payments are required for each Credit Plan. 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. See Credit Card Agreement, as amended, for details.
2Deferred 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. *
3Low APR, Equal Payment plan: Interest will be charged to your Account at the reduced APR from the purchase date through the end of the promotional period. After the promotional plan expiration date, the purchase APR will apply. Minimum payments are required for each Credit Plan. *
*All Promotional Plans:
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 2026, 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.
4Must have a valid email address and U.S. mailing address. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received in your welcome kit.
5Must have a valid email address and U.S. mailing address. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions.
‡Offer is available to all Vault Rewards members. This rewards program is provided by the Jared Galleria of Jewelry, Jared Vault, KAY Jewelers, Zales, KAY Outlet and Zales Outlet and its terms may change at any time. For full Rewards Terms and Conditions, please see kay.com/vault-rewards-terms-and-conditions. Cardholders who are not enrolled into Vault Rewards, see Reward Terms and Conditions to sign-up. For full benefit disclaimers visit kay.com/vault-rewards-benefit-disclaimers.
PAY AS LOW AS FOR PURCHASES OVER $300
^Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (including a 2% promotional plan fee, excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 6, 12, or 18 equal payments based on your qualifying plan during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.
Promotional Credit Plan Details: Deferred Interest, Payment Required plan: No Interest if paid in full within 6, 12, or 18 months on purchases of $300 for 6 months, $1,000 for 12 months, or $4,000 for 18 months made with your KAY Jewelers Credit Card. 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 2026, 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.
Credit card offers are subject to credit approval.
KAY Jewelers Credit Card Accounts are issued by Comenity Bank, a Bread Financial® Company, or other lenders as applicable.
For other lender Credit Card Accounts, please see your credit card agreement for Account terms, including available credit plans and down payment requirements.
