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Affordable Engagement Ring

Pay Later, Wear Forever

We offer a range of financing options to help you get the jewelry of your dreams. Prequalify today with no impact to your credit score
Prequalify todayGet a decision in seconds with no impact to your credit score.  


Enjoy all the benefits of being a Blue Nile cardholder

• Special financing options. Restrictions apply. See below for details. 

• Reusable line of credit 

 • Cardholder exclusive offers and events 

 • 24/7 online account management

No Interest if Paid in Full within 6 or 12 Months

Interest will be charged from the purchase date if the purchase balance is not paid in full by the end of the promotional period. Restrictions apply.
A stack of diamond rings

9.99% APR with 24 Monthly Payments 

Restrictions apply.
A woman wearing navy and Blue Nile jewelry

Online Account Management

Access your account to pay your bill or check your balance.


For Blue Nile Credit Card accounts acquired prior to June 1, 2022 you can manage your account online. 


1Subject to credit approval. Restrictions apply. See website for details.
  
2No Interest if Paid in Full within 6 Months: Minimum purchase of $500 for the 6 month plan. To avoid interest, you must pay the full promotional balance before the promotional period ends. If you do not, you will be charged interest from the purchase date at the standard Purchase APR. After the promotional period ends, the standard Purchase APR also applies to the remaining balance and the charged interest. Minimum monthly payments required, but they will not pay off the balance in time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum payment and excludes taxes, delivery, or other charges. Prior purchases excluded. Account must be in good standing. Limited time offer. Other finance plans may be available. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. Blue Nile financing account issued by TD Bank, N.A.

3No Interest if Paid in Full within 12 Months: Minimum purchase of $500 for the 12 month plan. To avoid interest, you must pay the full promotional balance before the promotional period ends. If you do not, you will be charged interest from the purchase date at the standard Purchase APR. After the promotional period ends, the standard Purchase APR also applies to the remaining balance and the charged interest. Minimum monthly payments required, but they will not pay off the balance in time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum payment and excludes taxes, delivery, or other charges. Prior purchases excluded. Account must be in good standing. Limited time offer. Other finance plans may be available. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. Blue Nile financing account issued by TD Bank, N.A.

49.99% APR with 24 Monthly Payments: Minimum purchase of $1000 for the 24 month plan. 9.99% APR from date of eligible purchase until paid in full. Monthly payment amount equals the purchase amount and estimated interest for the length of the offer divided by the number of months in the offer. Last payment may vary due to rounding. On-time payments will pay the offer balance in full. Advertised monthly payment, if any, excludes taxes, delivery, or other charges. Other transactions and charges affect the total monthly payment amount. Prior purchases excluded. Account must be in good standing. Limited time offer. Standard account terms apply to purchases that do not qualify. New accounts: standard Purchase APR 29.99%. Minimum interest charge $1. Existing accounts, see your Cardholder Agreement for applicable terms. Subject to credit approval. Blue Nile financing account issued by TD Bank, N.A.