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Blue Nile Credit Card Review

Written by Mike Pearson
Updated June 11, 2023

The Blue Nile Credit Card is a store card offered by the well-known jewelry retailer Blue Nile in partnership with Comenity Bank. This credit card is designed to provide financing options for those looking to purchase engagement rings, diamonds, or other jewelry items from Blue Nile. With a range of promotional financing offers and no annual fee, it has become an attractive option for shoppers considering a significant jewelry purchase.

One of the standout features of the Blue Nile Credit Card is its introductory 0% to 9.99% APR for 6 to 60 months, depending on the purchase amount. This makes it a convenient choice for individuals looking to make a sizable investment in jewelry without the immediate financial strain. However, after the promotional period, cardholders should be aware that the card carries a variable purchase APR of 29.99%.

Before committing to the Blue Nile Credit Card, it is essential to evaluate your personal financial situation and spending habits. This card may be beneficial for those who are confident in their ability to pay off their balance within the promotional period. Nevertheless, with high post-promotional APRs and limited usability outside of Blue Nile purchases, this card might not be the best fit for everyone.

Blue Nile Credit Card Overview

Issuer: Comenity Bank

The Blue Nile Credit Card is a store card issued by Comenity Bank, a well-known financial institution that specializes in providing branded credit cards for various companies. It is specifically designed for purchases at Blue Nile, a major online jewelry retailer known for its impressive selection of engagement rings, diamonds, and other fine jewelry.

As a store card, the Blue Nile Credit Card offers a range of financing options for purchases made through the Blue Nile website or over the phone. Cardholders can enjoy features like:

  • No annual fee
  • 24/7 online account management
  • Various promotional financing options such as no interest if paid in full within 6 or 12 months (restrictions apply)
  • Longer-term financing options with 9.99% APR for 24, 36, 48, or 60 monthly payments (restrictions apply)

Card Type: Mastercard

Though the Blue Nile Credit Card is primarily a store card, it is also a Mastercard, allowing cardholders to utilize the card for wider purchases outside of the Blue Nile platform. However, it is important to note that the card’s main benefits focus on easing the financing of jewelry purchases from Blue Nile.

One key aspect to be aware of is the card’s high APR. The variable purchase APR is 29.99%, which makes it less ideal for individuals who tend to carry a balance on their credit cards. To maximize the card’s benefits, it’s best for those who can pay off their balance in full within the promotional financing period.

In summary, the Blue Nile Credit Card, issued by Comenity Bank and functioning as a Mastercard, offers various financing options for purchases at Blue Nile. While it does have a high APR, utilizing the promotional financing options can make the card an attractive choice for consumers looking to finance their jewelry purchases from the retailer.

Blue Nile Credit Card Benefits and Features


The Blue Nile Credit Card does not offer traditional rewards like points or cash back. Instead, it focuses on special financing options for cardholders. This can be beneficial for those looking to finance a jewelry purchase without incurring excessive interest charges.

Special Offers

Blue Nile cardholders have access to exclusive offers and events. Additionally, they can enjoy 24/7 online account management, and there is no annual fee associated with the card. The most notable special offer for Blue Nile Credit Card holders is the no interest if paid in full within 6 or 12 months financing option. This gives cardholders the opportunity to pay for their purchases without incurring interest, as long as they pay off the balance within the specified promotional period.

Please note that terms and conditions apply to these special offers, so it is essential to review the specific details before applying for the card or making a purchase.

Fees and Rates


With the Blue Nile Credit Card, the APR on purchases varies depending on the chosen financing plan. The introductory APR ranges from 0% to 9.99% for a period of 6 to 60 months. After the intro period, the APR becomes 29.99%. For example, if you pay in full within 24, 36, or 48 months, your APR would be 9.99%. 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
  • Above $4,000 for the 48-month plan


The Blue Nile Credit Card offers advantages when it comes to fees. There is no annual fee associated with the card, making it a low-maintenance option for financing your jewelry purchases. The card, however, does not allow balance transfers and does not offer rewards such as cash back or points. It is unclear if the card charges a foreign transaction fee, cash advance fee, or a grace period for payments. Additionally, information on the max late fee, max overlimit fee, and max penalty APR is not provided.

It is essential to review the terms and conditions of the Blue Nile Credit Card to make informed decisions about fees and rates. Remember, although the card has an attractive introductory APR and no annual fee, there might be other costs and fees to consider.

Credit Requirements and Application Process

Credit Score

When applying for the Blue Nile Credit Card, you can expect that the issuer will consider your credit score when determining approval odds. While the card may be suitable for applicants with excellent or good credit, it may still be possible to be approved with fair credit. It is not recommended for those seeking credit cards for bad credit, as this card targets individuals with stronger credit histories. Keep in mind that no credit card approval is guaranteed, as many factors can impact the decision.

Application Form

The application process for the Blue Nile Credit Card is quite straightforward. To submit your application, visit the Blue Nile’s website to access the online application form. This form will require you to provide personal and financial information, including your name, address, and Social Security number, as well as your total annual income.

Upon submitting your application, you may receive an instant decision, or it could take some time for the issuer to review your information and assess your creditworthiness. Once approved, you can set up your online account to view your balance, make payments, and manage your Blue Nile Credit Card account.

Remember, approval odds may vary based on individual credit profiles, but maintaining a good credit score and being responsible with your credit usage can increase your chances of being approved for the Blue Nile Credit Card.

Credit Reporting and Account Management

Credit Bureaus

The Blue Nile credit card is issued by Comenity Bank, which reports your credit activities to the three major credit bureaus: Equifax, Experian, and TransUnion. Your payment history, credit utilization, and any changes to your credit limit will be reflected in your credit report and could affect your credit score. It’s essential to make timely payments and keep a low credit utilization rate to maintain a good credit standing.

Automatic Payments

Managing your Blue Nile credit card account is easy and convenient with online account management. This allows you to access your account, make payments, and monitor your transaction history. One of the useful features offered is setting up automatic payments, which helps ensure that your payments are made on time, every time. By making timely payments, you can steer clear of any late payment fees and maintain a positive payment history, which is crucial for good credit performance.

You can set up automatic payments by linking your bank account to your Blue Nile credit card account. This way, you can choose the payment amount, date, and frequency according to your preferences. To make it more flexible, you can choose to pay the minimum amount due, the statement balance, or any other predetermined amount.

In conclusion, keeping track of your Blue Nile credit card account and making timely, automatic payments will positively impact your credit performance. By ensuring that relevant information is reported accurately to the major credit bureaus, you can maintain and improve your overall credit standing.

Financing Options and Purchases

The Blue Nile Credit Card offers various financing options for customers. This card is especially useful for those planning to purchase engagement rings, wedding bands, and other fine jewelry items such as diamonds and silver.

Minimum Purchase

With the Blue Nile Credit Card, you can finance a minimum purchase of $500, and it comes with a 0% intro APR for six months. For purchases of $1,500 or more, the intro APR extends to 12 months. If you’re planning to spend at least $2,000, you may qualify for a 9.99% intro APR for 24 to 60 months, depending on the exact amount.

Engagement Rings

When it comes to engagement rings, the Blue Nile Credit Card financing options can be particularly helpful. If you’re approved for their store credit card, you can make purchases of up to $6,000. This allows you to choose your perfect engagement ring and diamond without worrying about the upfront cost. Instead, you can pay off the amount within the designated time frame as per the financing plan.

In addition to the financing options, the Blue Nile Credit Card also offers cardholder exclusive offers and events, as well as a convenient online account management system. Although there is no rewards program, the special financing and exclusive offers can help you save money while purchasing your dream diamond or engagement ring.

Customer Support and Security

Customer Service

Blue Nile offers support to their credit card users through multiple channels. The company has a dedicated customer service team that can be contacted via phone at 1-800-242-2728 or through the online account management portal. This ensures cardholders receive prompt assistance in case of any issues or disputes.

It is important to note that Blue Nile is committed to providing clear information to their customers. Any denied applications or issues with qualifying credit scores will be addressed transparently, allowing cardholders to understand the reasons for this. The company has a commitment to maintaining a high level of customer satisfaction.

Identity Theft Protection

Blue Nile Credit Card takes identity theft and credit history protection seriously. The company uses Equifax and TransUnion credit bureaus for verifying credit history and monitoring new credit activities, keeping your sensitive data secure. As an advertising partner of Forbes, Blue Nile has a reputation for upholding industry standards in security and customer data protection.

Furthermore, Blue Nile offers cardmember-only offers and promotions that aim to minimize the risks associated with identity theft. This ensures that the exclusive deals and offers are reserved for legitimate users of the credit card, reducing the likelihood of fraudulent transactions.

In conclusion, Blue Nile Credit Card delivers reliable customer support and takes necessary measures to prevent identity theft and protect the credit history of its cardholders.

Frequently Asked Questions

Is the Blue Nile credit card discontinued?

No, the Blue Nile credit card is still available. According to the search results, the Blue Nile Credit Card offers various financing options and promotional rates for its users. It is important to note that the card terms and conditions may change over time, so it’s advisable to check the Blue Nile website for the most updated information.

What is the pre-approval process?

Information on a pre-approval process specific to the Blue Nile credit card could not be found. In general, pre-approval involves a lender reviewing your credit history and financial information to determine your creditworthiness and approve a specific credit limit. This process typically results in a soft pull on your credit report and does not have an impact on your credit score.

How can I make a payment?

For Blue Nile Credit Card accounts acquired prior to June 1, 2022, you can manage your account and make payments online. It is important to visit the Blue Nile website or contact their customer service for detailed instructions on making payments for accounts acquired after this date.

What credit score is needed?

The exact credit score required for the Blue Nile credit card could not be found. However, the information suggests that the card may have certain credit score requirements for approval. It is best to inquire directly with Blue Nile or the issuing financial institution for specific credit score criteria.

How to apply for the card?

To apply for a Blue Nile credit card, visit their website where you should find information on the application process. You may also be able to apply through the financial institution that issues the card.

How to contact customer service?

To contact Blue Nile’s customer service, visit their website and look for contact information, which typically includes phone numbers and email addresses. They may also offer an online chat feature. It is important to reach out directly to Blue Nile or the issuing financial institution for any inquiries or concerns related to the credit card.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.