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U.S. Payment Methods

For orders shipping within the United States, we offer the following payment methods:


  • Credit Card: VISA, MasterCard, American Express, and Discover. 

  We do not accept: Cash, CODs, check, money orders, ACH, or debit cards without the VISA/MasterCard logo. 

  • Financing Programs: We offer the Blue Nile Credit Card to residents of the United States, Puerto Rico, 
    Guam, US Virgin Islands. Restrictions apply.


  • Online Payment Partners: We accept payment via PayPal. PayPal orders subject to the following limits.  

  • Bank Wire: AKA “Wire transfer” or “credit transfer“ is a method of electronic funds transfer from 
 one institution to another. Purchases made to Blue Nile for over $1000 are eligible for an additional 
 1.5% discount. After placing an order and selecting bank wire as your method of payment - which may 
 be subjected to a fee depending on your financial institution's policy - you'll receive an e-mail from 
 Blue Nile with account information to ensure the funds are properly transferred by your bank, which may 
 take up to two days to process. Once we have received your financial institution's fund transfer, your 
 order will be processed at which time you will receive your order confirmation email. 

Please note: ACH (aka Automated Clearing House) transfers are not accepted at this time. 

For further details about Bank Wire payments, contact your financial institution or call Blue Nile at 1-800-242-2728.