Blue Nile Financing though Bank of America^®

The Standard Account

• For purchases over $500
  
• Predictable Monthly Payment
• Repayment Terms from 12–60 months
• Credit Lines up to $25,000*
• No Prepayment penalty
• Rates as low as 8.99% APR†
• No Collateral Required

To Apply by Phone Call 800-833-6262. For the Standard Account
Mention Priority Code: NAAAFU
To check the status of your application submitted online click here.

The Account with 90 Days Same-as-Cash

• For purchases over $5000
• No payment or interest for the first 90 days**
• Predictable Monthly Payment (if not paid off in 90 days)
• Repayment Terms from 12–60 months
• Credit Lines up to $25,000*
• No Prepayment penalty
• Rates as low as 8.99% APR†
• No Collateral Required
• You can use your account again and again against future Blue Nile purchases††

To Apply by Phone Call 800-833-6262. For the 90 Days Same-as-Cash
Account Mention Priority Code: NAAAFV
To check the status of your application submitted online click here.

Call Mon. - Fri. 8 AM to midnight, Sat. 8 AM to 5 PM, or Sun. 9 AM to 5 PM ET

* Upon approval, the issuer will establish your credit line based on creditworthiness. Your actual credit line could be lower than $25,000.

† The issuer will set your initial APR between 8.99% and 24.99% based on creditworthiness. The issuer reserves the right to change your APR, fees or other credit terms at the issuer's discretion. Additionally, if you fail to pay your minimum monthly payment by its Payment Due Date on any two occasions within 12 consecutive months, we may increase your APR up to a Default APR of 27.99%. Repayment term and payment amount are estimates which may change if, for example: the issuer changes your APR, you make late or partial payments, the issuer assesses fees, you enroll in Credit Protection, or you take additional advances. You will pay a 3% transaction fee on each advance (minimum fee $5; there is no maximum), which does not apply for purchases billed by Blue Nile directly to your account. Transaction fee is added to balance and accrues finance charges. Other fees may apply.

†† You may request additional advances on this account. For each additional advance, we will restart your monthly repayment term and recalculate your monthly payment amount. Borrowing the full amount of your available credit may result in an overlimit fee because fees and finance charges may cause your balance to exceed your credit limit.

** This account offers a 90 days same-as-cash feature on your initial purchase if it occurs within the first 120 days. Your initial repayment term will start at the end of the same-as-cash period. Finance charges will accrue. If you repay your initial purchase in full by the due date of your fourth statement, the issuer will credit back all finance charges accrued on that purchase. You may prepay at any time without penalty.

This account is issued and administered by FIA Card Services, N.A.

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