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:

Blue Nile Credit Card

Option 1: No Interest if paid in full within 6, 12, or 18 months with your Blue Nile Credit Card See Interest Option Disclaimers #1

Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period.

On purchases of the following with the Blue Nile Credit Card

6 months
$500.00 - $1,499.99
12 months
$1,500.00 and up
18 months
(for Astor by Blue Nile™)
$2,000.00 and up

Option 2: 9.99% APR for 24, 36, 48, or 60 months. After that, purchase APR of 28.99% See dagger #2

On purchases of the following with the Blue Nile Credit Card

24 month term
$2,000.00 - $2,999.99
36 month term
$3,000.00 - $3,999.99
48 month term
$4,000 and up
60 month term
$6,000 and up

Option 3: No Special Terms

New purchases are afforded a 25 day grace period with the Blue Nile Credit Card if you pay your balance in full each month.

Terms and Conditions

Legal Disclaimers

  1. Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge.
  2. Click Here for important rate, fee, and other cost information.

Interested Option Disclaimers

  1. Deferred Interest, Low Payment plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges.
  2. Low APR, Equal Payment plan: Interest will be charged to your Account at the reduced APR from the purchase date through the end of the promotional period. After the promotional plan expiration date, the variable purchase APR will apply. Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement and minimum interest charge. As of 07/2020, terms for New Accounts: Variable purchase APR of 28.99%. Minimum interest charge is 2 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

New purchases day grace period

  1. New purchases on Regular Credit Plans are afforded a 25 day grace period if you have and continue to pay your balance in full each month.
  1. Credit card offers are subject to credit approval.
    Blue Nile Credit Card Accounts are issued by Comenity Capital Bank.