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Save 20-40% Off* Everything!
Image of Kay Jewelers Credit Card next to earrings and two rings

Special Financing* Plans

Promotional Plan Fee May Apply

Regular Purchase Credit Plan**

Take Your Jewelry Home Today
Minimum Purchase Amount
As Low As $300
$0
Down Payment
$0
$0
Payment Term (Complete By)
6*, 12, 18 or 36* Months 
Revolving

KAY Jewelers Card Benefits

Welcome Gift1

Cardholder Appreciation Event2

KAY Jewelers Cardholders also enrolled in Vault Rewards™ earn 1 Gem
for each dollar spent3 & access to next-level Vault Rewards benefits4.

Free Express Shipping at KAY5

Birthday Benefit $100 off, $300+ purchase6

Annual Membership Reward6
And More Exclusive Benefits>
Click here for disclosures.
APPLY NOW
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Lease Purchase Program
 

Buy Now, Pay Over Time
 

Take Your Jewelry Home Today
Minimum Purchase Amount
$300
$150
Initial Payment
$79
Depends on Purchase
Payment Term (Complete By)
12 Months Standard Lease with Flexible Purchase Options
Varies by purchase amount and eligibility
No Credit Needed§
Click here for disclosures.
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LEARN MORE
  • We accept the payment methods above.
  • Have a Gift Card? Use it today!

The KAY Jewelers Credit Card

*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. See Credit Card Agreement, as amended, for details.

**Minimum payments required each billing period. Interest will apply according to your regular credit terms.

1 Must 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.

2 Must 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.

3 Offer is available to all Vault Rewards members. This rewards program is provided by Jared the 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.

4 Offer 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. For full benefit disclaimers visit kay.com/vault-rewards-benefit-disclaimers.

5 Offer 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.

6 Offer 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. Excludes Now & Forever® and Adore® solitaire rings, and Lab-Created Diamonds by KAY solitaire rings, Armani Exchange, Bulova Frank Sinatra, Bulova Marc Anthony, and 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, custom items, Sparkling Savings and Ultimate Deals, Featured Items and Online Deals, specially priced items, jewelry cleaning items, special events, charity items, protection plans, repairs and services, purchases made with trade-ins, purchases of gift cards, and previous purchases. Offers cannot be redeemed for cash or used as payment on layaway or credit accounts. Offers may exclude certain new items, designer brands, and licensed or exclusive collections. Offers are not transferable and will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. See a Jewelry Expert in-store or chat with an Expert online for full details. 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.

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.

Progressive Leasing

Regular $79 initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.

§ No credit needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer's cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, WY.

Affirm
Rates from 0-36% APR. For example, a $700 purchase might cost $63.18 per month over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. For licenses and disclosures see affirm.com/licenses.
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