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| SPECIAL FINANCING2 AVAILABLE with the KAY Jewelers Credit Card |
 Comenity Bank |
 Sterling Jewelers Inc. Serviced by Genesis FS Card Services |
| Regular purchase credit plan No minimum purchase1 |
$0 down payment required | $0 down payment required |
| 36 months special financing $3,000 minimum bridal purchase made with your KAY Jewelers Credit Card5 |
$0 down payment required | $0 down payment required |
| 12 months special financing $500 minimum purchase with your KAY Jewelers Credit Card2 |
20% down payment required Down payment cannot be placed on the KAY Jewelers Credit Card |
20% down payment required Down payment cannot be placed on the KAY Jewelers Credit Card |
Additional Benefits for Kay Customers
1 Minimum payments required each billing period. Interest will apply according to your regular credit terms.
2 Minimum 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 and minimum interest charge.
3 Must have made a purchase in the previous 12 months starting 1 month(s) prior to birthday and card anniversary. Accounts that opened in your birthday month or in the previous month will receive the offer during your birthday month the following calendar year. Account must not be in default. Offer will be received during cardholder birthday and anniversary months. Must have valid email address and U.S. mailing address.
4 Sweepstakes will be offered by Sterling Jewelers Inc (Sterling). Timing will be determined by Sterling, and customers will be informed via email. Must have a U.S. mailing address and a valid email address provided at comenity.net/kay (Comenity Bank) or kay.myfinanceservice.com (other lender). Comenity Bank is not the sponsor nor responsible for the sweepstakes. Any disputes concerning awards or benefits under the sweepstakes will not affect payments or other obligations to the Bank or other lender.
5 Minimum 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 and minimum interest charge. Some merchandise exclusions may apply to bridal purchases. Bridal brands vary by location. See a Jewelry Consultant at your location for qualification details.
PAY AS LOW AS FOR PURCHASES OVER $500
§ Suggested “Payment As Low As” Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan with equal monthly payments. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount less the applicable down payment (excluding taxes, shipping costs, and/or other services) divided by the number of months in the promotional period, rounded up to the nearest $5 dollars; you make 12 equal payments during the promotional period; and you make all payments on time.
Promotional Credit Plan Details:Deferred Interest, Equal Payment plan: No interest if paid in full within 12 months on purchases of $500 or more with your KAY Jewelers Credit Card. Interest will be charged to your Account from the purchase date if the purchase balance is not paid in full within the promotional period. Minimum 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 and minimum interest charge. As of 02/21, terms for new Accounts: Purchase APR of 29.99%. Minimum interest charge is $2.00 per Credit Plan in any billing period in which interest is due. 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 or other lenders as applicable.
2 Minimum 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 and minimum interest charge.
3 Must have made a purchase in the previous 12 months starting 1 month(s) prior to birthday and card anniversary. Accounts that opened in your birthday month or in the previous month will receive the offer during your birthday month the following calendar year. Account must not be in default. Offer will be received during cardholder birthday and anniversary months. Must have valid email address and U.S. mailing address.
4 Sweepstakes will be offered by Sterling Jewelers Inc (Sterling). Timing will be determined by Sterling, and customers will be informed via email. Must have a U.S. mailing address and a valid email address provided at comenity.net/kay (Comenity Bank) or kay.myfinanceservice.com (other lender). Comenity Bank is not the sponsor nor responsible for the sweepstakes. Any disputes concerning awards or benefits under the sweepstakes will not affect payments or other obligations to the Bank or other lender.
5 Minimum 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 and minimum interest charge. Some merchandise exclusions may apply to bridal purchases. Bridal brands vary by location. See a Jewelry Consultant at your location for qualification details.
PAY AS LOW AS FOR PURCHASES OVER $500
§ Suggested “Payment As Low As” Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan with equal monthly payments. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount less the applicable down payment (excluding taxes, shipping costs, and/or other services) divided by the number of months in the promotional period, rounded up to the nearest $5 dollars; you make 12 equal payments during the promotional period; and you make all payments on time.
Promotional Credit Plan Details:Deferred Interest, Equal Payment plan: No interest if paid in full within 12 months on purchases of $500 or more with your KAY Jewelers Credit Card. Interest will be charged to your Account from the purchase date if the purchase balance is not paid in full within the promotional period. Minimum 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 and minimum interest charge. As of 02/21, terms for new Accounts: Purchase APR of 29.99%. Minimum interest charge is $2.00 per Credit Plan in any billing period in which interest is due. 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 or other lenders as applicable.
Not a final credit decision