Kay Jewelers Coupons - September 2017

Text KISS to 553935 to receive a code for $25 discount on orders over $99.

Restrictions apply, limited time offer. See website for details.

8 people have used this deal in the last 7 days.

Free 2-Day Shipping on any purchase

Click through this link to get free 2-day shipping on any purchase.

Restrictions may apply.

Enter this promo code at checkout to get 40% discount on personalized giftware. ​

Restrictions may apply, see website for details.

6 people have used this deal in the last 7 days.

Click through this link to save over 50% on earrings.

Restrictions apply, limited time offer.

7 people have used this deal in the last 7 days.

Up to 40% off Featured Online Deals

Click through this link to get up to 40% discount on featured Online Deals.

No code needed. Restrictions may apply. Limited time offer.

5 people have used this deal in the last 7 days.

Popular Deals from Kay Jewelers

Labor Day Weekend: 25% off Everything

Click through this link to get 25% discount on any purchase.

Restrictions may apply.

Click through this link to get up to 30% discount on initial jewelry.

Includes free shipping. Restrictions may apply.

20% off Select Rembrandt Charms plus Free Shipping

Click through this link to get 20% discount on select rembrandt charms.

Includes free shipping. Restrictions may apply.

Click through this link to get up to 30% discount on bar jewelry.

Restrictions may apply.

Up to 40% off September Birthstone Jewelry

Click through this link to get up to 40% discount on September birthstone jewelry.

Restrictions may apply.

Click through this link to get up to 70% discount on Star Wars jewelry.

Restrictions may apply.

Up to 50% off Diamond Necklaces & Pendants

Click through this link and get up to 54% discount on diamond necklaces and pendants.

Restrictions apply, limited time offer.

1 person has used this deal in the last 7 days.

Up to 70% off Select Retired Styles

Follow this link to save up to 70% on select retired styles.

Restrictions may apply.

7 people have used this deal in the last 7 days.

Save Over 50% on Sofia Vergara Jewelry

Click through this link to get over 50% discount on Sofia Vergara jewelry.

Restrictions apply, limited time offer.

1 person has used this deal in the last 7 days.

An easy way to shop for deals on watches and jewelry is to visit the Sale section. You can count on discounts upwards of 25% off. This is a good place to shop for quality gifts at moderate prices. In this same area of the website, look for clearance merchandise, online savings, previously owned treasures and retired designs - all are good ways to pay less for quality styles.

Apply a promotional code from Savings.com to get an even better deal when you shop Kay.com.

Pay no shipping fees if you have your order delivered to a store near you. Sometimes they have free shipping offers, or 2-day shipping upgrades – be sure to look for these when visiting the website.

You have up to sixty days to return or exchange jewelry and watches, and the best part is that you can take care of it at your local store. Learn more about returns and exchanges online.

For no additional cost you’ll receive the Lifetime Diamond and Gemstone Guarantee – from jewelry cleaning to stone replacement. See more about this policy on Kay.com.

How can I save at Kay Jewelers?

There are several ways to save money when you shop at Kay.com. Apply a promotional code from Savings.com to pay less for beautiful jewelry, or to get reduced shipping costs. Or, stop by the Sale section for discounts as much as 70% off on necklaces, rings, earrings, and more. Take advantage of huge markdowns on gold, sterling silver, and other precious metals and gemstones. Timely shoppers can also enjoy earning and redeeming instant rewards when they are available.

Can I get a discount with coupons?

Yes, Kay Jewelers coupons provide an exceptional way to pay discounted prices for charms, bracelets and watches, as well as their other fine jewelry. Offers vary, so check back frequently for the latest deals. And when you buy online, a free shipping coupon is always a good way to save.

Where can I find an affordable engagement ring?

Kay offers a variety of elegant diamond engagement rings in many price points to suit everyone’s budget. If you already know how much you want to spend, simply narrow by price to view all available choices. You might also be able to find the ring or bridal set on sale, saving you more.

Does Kay Jewelers have a credit card?

To finance your jewelry purchases, you can apply online for Kay Credit. With low monthly payments and a variety of financing choices, including 12-months same as cash, your own Kay account is the ideal way to pay over time. And you can manage your account and make payments online as well, making it very convenient.


Kay Jewelers Credit Card: What You Need to Know

Kay jeweler payment

[Disclosure: Cards from our partners are reviewed below.]

The jewelry store whose tag line, “Every kiss begins with Kay,” makes getting (and giving) those kisses a little easier through the Kay Jewelers credit card. And it’s available to customers who might not have the greatest credit. Here’s what else you need to know.

Despite the name, the Kay Jewelers credit card isn’t really a credit card , but a retail card. You can use it only at Kay and it allows you to carry a balance up to a pre-set limit for purchases made at the jeweler, and then pay it off over time.

The card can be used for purchases online at Kay.com or in any Kay Jewelers store, and you can have additional cards made for authorized users. There’s no annual fee, and the card comes with a variable annual percentage rate (APR) of 17% to 26.99%, based on your state and creditworthiness. Late payment fees vary by state, but can be as much as $37.

Keep in mind that, unlike some retail cards that offer perks and incentives to cardholders, the Kay card is pretty basic. What the jeweler does offer is special deals with 0% APR financing that could help you pay for that swanky engagement ring. As of writing this, there was one special financing offer listed on Kay’s website. Cardholders are eligible for 12-months of 0% interest on purchases. After that, the standard variable purchase APR of 17% to 26.99% will apply. The offer’s available only for purchases of $500 or more and a 20% down payment is required.

While in-store promotional financing can be convenient, given you can apply for it right at the point of sale, it’s important to note that Kay’s Jewelers, like many retailers extending promotional credit, charges retroactive interest if you don’t pay the promotional purchase off in full by the time the offer expires. In other words, you’ll have to pay 17% to 26.99% interest on that $1,000 wedding band, even if you did manage to pay $500 of it off during that 12 months.

The Kay Jewelers card, offered through Sterling Jewelers Inc. Credit Cards, is just like a traditional credit card, however, in that it may be reported to the major credit bureaus. That means it can help you establish or improve your credit if you manage the account well, making your payments on time and not letting your balance get too high.

Cardholders can manage their accounts online, including making monthly payments. Here’s a recap of the card’s major details.

Pros: That in-store 0% financing offer can be convenient for cardholders who know they’re going to pay that balance off in full; Consumers don’t need stellar credit to qualify and Kay says it may report to the credit bureaus, so the card could conceivably help you build credit.

Cons: You’ll pay retroactive interest on your promotional purchase if you can’t pay it all off before the special financing offer expires — and 17% to 26.99% is a pretty high go-to rate, particularly for a card that doesn’t carry rewards .

APR: 17% to 26.99%, after a 12-month 0% APR introductory offer expires

Getting a Kay Jewelers Credit Card

While you might not need outstanding credit to qualify for this card, it’s important to consider where your credit score stands before applying for a new credit card for several reasons. For starters, a good credit score generally helps you get approved for a lower interest rate. Also, your Kay Jewelers credit card application, like any credit card application, can generate a hard inquiry, which can ding your score, so you don’t want to apply if you won’t qualify. You can check your free credit scores on Credit.com to see where you stand.

Alternatives to the Kay Jewelers Credit Card

If you’re looking to make a big purchase and you need a longer window to pay if off, you may want to look into a traditional credit card touting a 0% introductory rate. Many of these cards don’t charge retroactive interest and their go-to rates can be lower, given store credit cards in general tend to feature APRs on the higher side. Here are two alternate credit cards to consider.

Why We Picked it: The Simplicity card currently carries the longest 0% introductory APR period on the market — cardholders get 21 months of deferred interest on purchases and balance transfers. After that, the purchase and balance transfer APRs will be a variable 14.49% to 24.49%, based on creditworthiness. Plus, the Simplicity has no late fees and no penalty APR. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

APR: Variable 14.49% to 24.49%, after the introductory period expires.

Why We Picked it: The Discover it — Cashback Match (see full review here) is currently offering a 0% introductory APR on purchases and balance transfers for 14 months. After that, the variable APR on balance transfers and purchases will be 11.99% to 23.99%, based on creditworthiness.

Bonus: The card offers rewards. Cardholders earn 5% cash back on up to $1,500 on purchases in revolving categories each quarter and 1% on all other purchases. Note: You have to enroll each quarter to start earning that 5% cash back (again, on up to $1,500 on purchases) in the designated category. So, for instance, from April to June of 2017, you can earn 5% cash back on up to $1,500 in purchases at home improvement stores and wholesale clubs and 1% cash back on all other purchases. Then, from July to September 2017, you can earn 5% cash back on up to $1,500 in purchases at restaurants and 1% cash back everywhere else. From October to December 2017, you can earn 5% cash back on up to $1,500 in purchases at Amazon.com and more, then 1% cash back everywhere else … and so on and so forth. You can check Discover’s Cashback Match calendar online for quarterly bonus category updates. On top of the base rewards, Discover is currently offering a signup bonus that matches all the cash back new cardholders earn in the first year at the end of that year. Just be sure the rewards don’t encourage you to overspend — otherwise, you’ll lose all your cash back to interest.

APR: Variable 11.99% to 23.99%, after the introductory period expires.

At publishing time, the Citi Simplicty and Discover it — Cashback Match credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

This article was last updated on June 5, 2017.

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