The jewelry store with the tag line “Every kiss begins with Kay” makes getting—and giving—those kisses a little easier for qualified buyers via the Kay Jewelers credit card. As with any offer, there are pros, cons and alternatives you might want to consider before applying for this retail card. Here’s what else you need to know.

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Does Kay Jewelers Have a Credit Card?

Despite the name, the Kay Jewelers credit card isn’t really a credit card: it’s actually a retail card. You can use it only at Kay Jewelers locations or online at Kay.com. The card lets you carry a balance up to a preset limit for purchases made at the jeweler.

Kay calls its card the LONG LIVE LOVE credit card. Basically, it’s a way to get your bling now and pay for it later. The retailer doesn’t actually back its own credit card, though. The LONG LIVE LOVE card is currently offered via Comenity Bank or other lenders as applicable.

Kay Jewelers Credit Card Financing

Kay changes the financing offers associated with its credit card from time to time to reflect the market and consumer buying trends. As of late 2019, the jewelry store offers the LONG LIVE LOVE card, which makes it possible for buyers with appropriate credit to finance large jewelry purchases.

In addition to using your Kay Jewelers credit card as a retail card to make purchases and pay them off over time, individuals with qualifying credit can take advantage of special financing offers on certain types of purchases. The company currently offers two special financing plans.

12-Month Special Financing Offer

Eligible LONG LIVE LOVE cardholders can make a purchase of $500 or more via this plan. However, you must also pay 20% down at the time of purchase—a payment that must come from a source other than your Kay Jewelers card. You then have 12 months to pay off the balance without accruing much, if any, interest. There is a minimum monthly payment required, but the exact details of the offer, including interest rates, depend on your personal credit history.

Here’s an example of how this offer might play out practically. If you want to purchase $1,000 in jewelry as a gift for Christmas, you would need to pay $200 in cash or via another credit card. You could then finance the $800 balance on the Kay Jewelers credit card for up to 12 months. If you qualified for no interest, that would equate to around $67 per month in payments.

36-Month Special Financing Offer

Kay knows that some jewelry purchases call for pulling out all the stops, which is why it offers a unique financing option for in-store bridal purchases. If you’re planning to drop $3,000 or more on engagement or wedding rings or other bridal jewelry, you may be able to finance them via the LONG LIVE LOVE credit card 36-month special financing offer.

Customers that qualify for this program don’t have to make any down payment and get up to 36 months to pay off the balance. So, if you purchased wedding and engagement rings for a total of $5,000, you would need to pay at least $139 each month to pay the balance off within the promotional financing period.

Pros of a Kay Jewelers Credit Card

If you love shopping at Kay Jewelers, this retail card could be a good fit for you. It offers several benefits for frequent shoppers.

• You can finance large jewelry purchases with minimal to no interest as long as you can pay the balance within the promotional period.
• The LIVE LONG LOVE card offers special birthday and anniversary benefits as well as periodic sweepstakes for qualifying cardholders.
• Depending on how much credit you want with the company, you may not need to have an excellent credit history to get approved.

Cons of a Kay Jewelers Credit Card

The Kay Jewelers credit card isn’t for everyone. If you don’t shop there often or aren’t able to take advantage of the special financing offers, the card may not be worth it.

• This card has a potentially high variable interest rate outside of the special financial offer. Comenity Bank and Kay don’t actually publish rates, so make sure you review your offer carefully before you accept.
• The card has a lackluster history of careful accounting—reviewers repeatedly note that the bank overcharges or double charges finance fees and that it’s difficult to get these situations resolved.
• You can only use this card at Kay, and you must use it every twelve months to keep it active or it will be closed.

Getting a Kay Jewelers Credit Card

You can apply and get prequalified for a Kay Jewelers credit card online or in-store. While you might not need outstanding credit to qualify for this card, it’s important to consider where your credit score stands before applying for a new credit card. For starters, a good credit score generally helps you get approved for a lower interest rate. Also, your Kay Jewelers credit card application, like any credit card application, can generate a hard inquiry, which can ding your score—so you don’t want to apply if you won’t qualify.

You can check your free credit scores on Credit.com to see where you stand before you apply.

Alternatives to the Kay Jewelers Credit Card

If you have the credit to back up a successful application and you want more purchasing power than a single retail store credit card, visit the Credit.com credit card marketplace to find a card option that works for you.

If the Kay Jewelers card isn’t right for you but you want similar financing offers for an upcoming purchase, consider this card on Credit.com.

Find the Right Card for You

Finding the right credit card for you is important, and we’re here to help! Do your research before applying for a credit card to ensure that the terms and fees fit your lifestyle and meet your needs.

At publishing time, the cards mentioned above may be offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.