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.

Cardmembers enjoy:

  • Exclusive financing offers giving you the flexibility to pay over time*
  • Special access to cardmember-only offers and promotions
  • No annual fee**
  • Convenient online account management

Option 1: No Special Terms †

Purchases have a 25 day grace period.

Option 2: No Interest If Paid In Full Within 6 or 12 Months

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 or if you make a late payment.††

No Interest If Paid In Full Within 6 or 12 Months

6 months
$500.00 - $1,499.99
12 months
$1,500.00+

Option 3: Equal Payments and 9.99% APR if paid in full within promotional terms †††

Equal Payments and 9.99% APR if paid in full within promotional terms.†††

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

* Subject to credit approval and availability. Account must be in good standing at time of transaction. Promotional financing available with Blue Nile Credit Card Accounts offered by Comenity Capital Bank, which determines qualifications for credit and promotional eligibility. Minimum purchase and minimum monthly payments are required.

** Standard variable Purchase APR of 27.24%, based on the Prime Rate. Minimum Interest charge is $2.00 per credit plan.

† Blue Nile Credit Card Accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. Minimum monthly payments are required and at no time will the minimum payment due be less than $27.00. Standard variable Purchase APR of 27.24%, based on the Prime Rate. Minimum Interest Charge is $2.00 per credit plan..

†† No Interest if paid in full within 6 or 12 months.
No Interest if paid in full within 6 or 12 months. Interest will be charged to your account (at the standard, variable APR of 27.24% based on the Prime Rate) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase of $500.00 for the 6 month plan or $1,500.00 for the 12 month plan. Blue Nile Credit Card Accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $27. Minimum Interest Charge is $2.00. Standard variable APR of 27.24% based on the Prime Rate.

††† 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 27.24% 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, including the calculated finance charges that will be assessed from the date of purchase through the end of the promotional period, divided by the number of months in the promotional period, (rounded to the nearest $1.00); or $5. Required mininum purchase of $2,000 for 24 month plan, $3,000 for 36 month plan, and $4,000 for 48 month plan. Blue Nile Credit Card Accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $27. Minimum Interest Charge is $2.00. Standard variable APR of 27.24%, based on the Prime Rate.