Blue Nile Credit Card

The Blue Nile Credit Card offers compelling financing options, giving you the flexibility to pay over timeSee Disclaimer #1. Benefits of the card include convenient payment options, no annual feeSee Disclaimer #2 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.

No Interest If Paid In Full Within 6, 12 or 18 Months See Interest Option Disclaimers #1

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 29.99% See dagger #2

On purchases of the following with the Blue Nile Credit Card See dagger #2††

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 if you pay your balance in full each month.

Terms and Conditions

Legal Disclaimers

  1. Subject to credit approval.
  2. Click Here for Important rate, fee, and other cost information.

Interested 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. Minimum payments are required for each Credit Plan. The sum of the required payments each billing period won’t be less than $35.00 (or Account balance if less). 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. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Subject to credit approval. As of January 2020, terms provided for New Accounts: Variable Purchase APR of 29.99%. Minimum interest charge of $2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.
  2. Interest will be charged to your Account from the purchase date at the reduced APR. Minimum payments are required for each Credit Plan. The Minimum payment for this Credit Plan will be an amount equal to a percentage of the promotional purchase amount, which percentage will be based on the reduced APR and the length of the promotional period, rounded up to the nearest $1.00 (minimum $5.00). The sum of the required payments each billing period won’t be less than $35.00 (or Account balance if less). 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 paying interest at the purchase APR. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. Valid for single transaction only. Subject to credit approval. As of January 2020, terms provided for New Accounts: Minimum interest charge of $2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.
  3. Blue Nile Credit Card Accounts are issued by Comenity Capital Bank.