In order to apply for the Blue Nile Credit Card, you must be using US dollars as your currency and be a resident of the United States.



Blue Nile Credit Card

The Blue Nile Credit Card offers compelling financing options, giving you the flexibility to pay over time.** Benefits of the card include convenient payment options, no annual fee and special access to cardmember-only offers and promotions.

**Minimum monthly payments required. *Subject to credit approval.

Cardmembers enjoy:




Option 1: No Special Terms

Purchases have a 25 day grace period.




Option 2: No Interest If Paid In Full††

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the 6 or 12 months.

No Interest If Paid In Full††
6 months $500.00 - $1,499.99
12 months $1,500.00+



Option 3: Equal Payments†††

Equal Payments†††
24 month term $2,000.00 - $2,999.99
36 month term $3,000.00 - $3,999.99
48 month term $4,000.00+



Terms and Conditions

†Blue Nile Credit Card Account, offered by Comenity Capital Bank, who determines qualifications for and terms of credit. Promotion eligibility varies and is determined by Comenity Capital Bank. Minimum monthly payments are required and at no time will the minimum payment due be less than $25.00. Minimum Interest Charge is $2.00. Standard variable APR of 26.99%, based on the Prime Rate.

†† No Interest if paid in full within 6 or 12 months.
No Interest if paid in full 6 or 12 months. Interest will be charged to your account (at the standard, variable APR of 26.99% based on the Prime Rate) from the purchase date if the purchase balance is not paid in full within the promotional or if you make a late payment. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of $5.00 or 1% of your account balance (rounded up to the nearest $1.00). Required minimum purchase of $500.00 for the 6 month plan or $1,500.00 for the 12 month plan.

††† 9.99% APR if paid in full in 24, 36 or 48 months.
If the balance is not paid in full in 24, 36 or 48 months or if you fail to make any payment when due, regular credit terms will apply and interest will be imposed from the end of the promotional period at the standard, variable APR of 26.99% based on the Prime Rate. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase divided by the number of months in the promotional period, (rounded up to the nearest $1.00); or $5.00. Required minimum purchase of $2,000.00 for 24 month plan; $3,000.00 for 36 month plan; $4,000.00; for 48 month plan.