Are you looking for a credit card that has compelling financing options? The Blue Nile Credit Card may be the one for you! This card includes; exclusive financing offers, cardmember-only offers and promotions, and no annual fee! You’ll also be able to enjoy; convenient online account management promotional financing available with Blue Nile Credit Card. As for the Blue Nile Credit Card accounts, they are offered by Comenity Capital Bank, which determines qualifications for credit and promotional eligibility. Minimum purchase and minimum monthly payments are required.
 At Blue Nile, their jewelry is designed and crafted with high-caliber, quality materials and inspected with exceptionally high standard. • Highest Diamond Quality Standard & Authenticity Certified • Get More For Less & Always Have The Best • Best Price: Find a comparable GIA graded diamond for less and they’ll match the price. Pay 20% up to 40% less than traditional jewelers |
Blue Nile Credit Card Rates
Your APR would be 9.99%, if you pay in full within 24, 36, or 48 months. The payments vary from $2,000 to $2,999.99 for the 24 month plan, $3,000 to $3,999.99 for the 36 month plan, and above $4000 for the 48 month plan. And, if you fail to pay within this time period, then the regular terms will be applied, including APR and other finance charges. 9.99% seems reasonable, but it can actually increase the prices of an expensive diamond accessory, when you take a long time to pay for it.
| Duration | Balance |
| 6 months | $500 – $1,499.99 |
| 12 months | $1,500+ |
| 18 months | $2,000+ |
Blue Nile Credit Card Fees
| Account Type | Blue Nile Credit Card |
| Max Late Fee | $38 |
| Max Overlimit Fee | None |
| Max Penalty APR | None |
| Grace Period | 25 days |
| Cash Advance Rate | None |
| Cash Advance Fee | None |
| Foreign Transaction Fee | None |
Blue Nile Credit Card Requirements
- Go to the Blue Nile Credit Card page.
- Press “Apply Now”, create a Blue Nile account if you haven’t already and input your information for the Blue Nile Credit Card application.
Bottom Line
Blue Nile is one of the largest online diamond brand, so it is not surprising that they have high prices. The Blue Nile Credit Card makes it easy for you to buy their diamonds and pay in installments. With no annual fee, the Blue Nile Credit Card is inexpensive. However, it works depending on your credit approval and minimum monthly payments. If your previous balance is not nil, then you would be charged with some yearly fees. I would recommend this credit card if you plan on purchasing diamonds or other accessories from Blue Nile in the future and would like good financing options.
This card has no special terms and conditions. For instance, after you make purchases with this card, you get a grace period of 25 days. And, if you fail to pay within the grace period, then you will have to pay the standard variable APR of 26.99%, based on the Prime Rate with a minimum interest charge of $2. The card is offered by Comenity Capital Bank that defines the prerequisites for credit and promotion eligibility.
If this offer did not suite you, see our full list of Bank Bonuses that are filled with various financial institutions from banks, credit unions, and even federal credit unions that are offering great promotions, deals, and referrals! If you would like to shop from one of the best Diamond Companies, you should stop by and check out Blue Nile Diamonds and James Allen Diamonds.
 With the American Express Blue Business CashTM Card: Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% Plus, earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors. This card comes with no annual fee (See Rates & Fees). Terms Apply. |