Financing
Bring your forever piece within reach.
With the Blue Nile Credit Card, enjoy Special Financing¹ or a limited time 5% statement credit² on all purchases from 10/16/26 - 11/1/26. Promotional Plan fee may apply.
No impact to credit score2
Decision in seconds
No annual fee3
FINANCING OPTIONS
Plans built for every milestone.
All plans are issued through our financial partner. Subject to credit approval.
6 Months
Special Financing1
$1,000
Min. Purchase with the
blue nile credit cardPromotional Plan Fee may apply. No annual fee.3
12 Months
Special Financing1
$3,000
Min. Purchase with the
blue nile credit cardPromotional Plan Fee may apply. No annual fee.3
18 Months
Special Financing1
$6,000
Min. Purchase with the
blue nile credit cardPromotional Plan Fee may apply. No annual fee.3
Promotional financing offers are subject to credit approval. See for details on deferred interest, minimum payments, and Purchase APR.
How it works
Prequalification made simple.
Three easy steps stand between you and knowing exactly what you can spend — with zero impact on your credit.
01
Check in minutes
A quick prequalification check with
no impact to your credit score. Fill
out a brief form and receive a decision in seconds.
02
Soft credit check
Prequalification uses a soft inquiry, so checking your eligibility won't affect your credit score.
03
Shop with confidence
Once prequalified, know your credit limit before you choose the piece that speaks to your story.
CURRENT CARDHOLDERS
Manage your account online.
View your balance, make payments, check your promotional plan end dates, and update your account details — all from our secure Account Center.
View statements & payment history
Set up AutoPay
Track promotional plan deadlines
Update contact & billing info
FAQ
Common questions.
Still have questions? Our client care specialists are available seven days a week.
Contact UsDISCLOSURES & LEGAL
- Minimum payments are required for each Credit Plan. Valid for single transaction only. See Credit Card Agreement, as amended, for details.
- Statement credit is not combinable with Special Financing. Account must not be in default. Offer will be received via statement credit, which may take up to 2 billing cycles after the purchase to reflect on your account. For any purchase made between 10/16/26 to 11/1/265% will be automatically deducted from the billing statement. No coupon/code needed to redeem the discounted bill.
- A soft inquiry is used to check your eligibility which will not affect your credit score.
- For Important Rate, Fee, and other Cost information, select Terms and Conditions.
Credit card offers are subject to credit approval.
Blue Nile Credit Card Accounts are issued by Comenity Capital Bank.