Zero Down Special Financing¹

^§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 April 2025, terms for new Accounts: Purchase APR of 35.99%. 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. Ask a Jewelry Expert for details. Valid 4/17/25 - 6/1/25 .

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 variable 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 March 2025, terms for new Accounts: Purchase APR of 35.99%. Minimum interest charge is $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 reards 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.

⁶Offer is available to enrolled cardholder members that are in the Vault Rewards Program. See kay.com/vault-rewards-terms-and-conditions for terms and conditions. Cardholders who are Vault Rewards members will receive Free Express shipping for in-stock items that don't need sizing or personalization. Express shipping is not available for delivery to APO, FPO, DPO addresses or for delivery to Hawaii, Alaska, or U.S. territories.

⁷Offer is available to enrolled cardholder members that are in the Vault Rewards program. See kay.com/vault-rewards-terms-and-conditions for terms and conditions. Birthday Benefit: Members who provide their birthday month and day prior to the 1st day of their birthday month will receive $100 off a purchase of $300 or more, excluding tax and shipping, valid during the Member's birthday month. Members who initially provide birthday information after the 1st day of their birthday month, will not receive this offer until their birthday month the following calendar year. One redemption per customer per year. Annual Membership Reward: Cardholders who are Vault Rewards members will receive a $25 Reward each year on the anniversary date of enrollment in Vault Rewards. Each member will receive only one Reward per calendar year. To redeem, purchase price must equal or exceed amount of the Reward, excluding tax and shipping charges. One redemption per customer.

⁸Offer is available to all Vault Rewards members. See kay.com/vault-rewards-terms-and-conditions for terms and conditions. From time to time, Vault Rewards members may receive special offers from partners. Offer details and terms will be provided at the time of offer.

⁹Offer is available to all Vault Rewards members. See kay.com/vault-rewards-terms-and-conditions for terms and conditions. From time to time, Vault Rewards members may receive special offers on wedding and anniversary bands. Offer details and terms will be provided at the time of offer issuance.
 

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, $750 for 12 months, or $3,000 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 February 2025, terms for new Accounts: Purchase APR of 35.99%. Minimum interest charge is $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.