If you are a fan of jewelry, you should check out the Kay Jewelers Credit Card. The credit card has no annual fee and can be used not only in any Kay Jewelers store, but also online at kay.com. You can apply right away and shop instantly.
Check out the credit card chaser to compare credit cards right now.
Kay Jewelers Credit Card Financing Options
For your flexibility, Kay Jewelers offers a couple of different financing offers, regular credit card terms, or a 12-month plan.
You can use the card as a regular credit card, which includes an APR of 24.99% on regular purchases in most states. In some states, the APR decreases with the more money you charge on the card. The minimum interest charge is one of three price points- $0.50, $0.70, or $1.00, depending on the state you live in. The APR also varies depending on your state.
The 12-month plan includes no purchase interest as long as you pay it off within 12 months. With the 12-month plan, there is a down payment of 20% required and the plan is only available for purchases that total $500 or more. The minimum payment required is 1/12th of the amount purchased, but not anything less than $40.
The 12-month plan is an interest free plan as long as you pay off the balance in 12 months and are on time with your payments. If you are late or don’t pay it off, you will be charged an APR of 24.99%, unless your state charges a lower APR.
Kay Jewelers Credit Card Account Management
One advantage of having a Kay Jewelers credit card is that you have access to online management of your account. You can conveniently update your information as well as view all activity on your account.
Online management lets you check your recent activity and balance information. You can also pay your bill online to save you time and a stamp.
If you want to check out online credit cards, you can use the credit card chaser located here.