Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards
Poor Credit, Limited Credit	Personal	$0*	N/A*	N/A*	See Terms*	None

Kay Jewelers Credit Card Quick Summary:
This Store offer is issued by Comenity Bank. The Kay Jewelers credit card is intended for "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. Flexible financing options and promotions may be appealing for cardholders. See the terms and conditions for the purchase APR rate.

Important Rates:
Please see the card issuer's terms and conditions regarding annual percentage rates. There is no annual fee for this card.*

Rewards:
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 604 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Comenity Bank product.

Other Basics:
The grace period listed for the Kay Jewelers Credit Card is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date.

This is a store or retail card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser or select partners.

Our Editor's Commentary:
Reasons to Choose Kay Jewelers

When it comes to choosing a jewelry store, both online and brick-and-mortar options abound. However, Kay Jewelers has managed to establish itself as one of the best in the business.

With over 1,000 stores, Kay Jewelers is renowned for its extensive selection, high-quality merchandise, and competitive pricing. Moreover, their customer service is unparalleled, offering personalized attention and expert advice at every store.

Regardless of the size of your purchase, Kay Jewelers provides payment options tailored to your personal and financial circumstances. These options include:

- Kay Jewelers Comenity Bank credit card
- Lease purchase program
- Installment loan

The Kay Jewelers credit card is often the preferred choice, as it allows you to complete your purchase today and pay off the balance over time. Additionally, as a revolving line of credit, you can keep the account open for future purchases.

Just a few minutes spent in a Kay Jewelers store or browsing their website is enough to understand why this brand has been an industry leader for over 100 years.

The Kay Jewelers Credit Card is a retail card that offers financing and allows you to carry a balance and pay it off gradually. While this can be a good way to build credit, it's important to note that the high interest rate makes it less favorable to carry a balance unless there is a promotion that applies to these charges.

There are several no-interest promotions available, such as the 12 and 36-month offers. These can be great options as long as you can pay off the balance before the promotional period ends, as high interest rates will be charged thereafter.

There are two versions of the Kay Credit Card: one issued by Comenity Bank and the other serviced by Genesis FS Card Services for the Sterling Jewelers card.

It's worth noting that the Kay credit card can only be used at Kay Jewelers. If you're looking for a card that can be used for everyday purchases, this may not be the right choice for you. Instead, consider a secured or traditional line of credit from Visa or Mastercard. However, if you're interested in special financing, offers, and promotions, then the Kay credit card is certainly worth considering.

Approval Rate:
There were 66 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 86% of those applicants were approved.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 604, then your chance of approval may be even greater.

Approval Time:
The Kay Jewelers credit card offers pre-qualification, which is not a final credit decision. All applications are subject to credit approval. If you are approved, you can register your account for online account benefits such as 24/7 account access, free online bill pay, and viewing account statements.

Community Opinion:
Based on community reviews, we found that 93% of 41 users recommend this card.

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