Blue Nile Credit Card Complete Usage Guide & Credit Card Review

Blue Nile Credit Card Complete Usage Guide & Credit Card Review.

Blue Nile Credit Card: This Card is a Comenity-issued store credit card. If you wonder if this Card is the right card for you, then read on. That is what you need to learn to make a good decision.

About Blue Nile Credit Card

Looking for a credit card with compelling financing options. The Blue Nile Card could be yours! This card includes; exclusive financing offers, offers and promotions only for card members, and no annual fee!

You can also enjoy; easy online account management promotional financing with the Credit Card available. As for the Blue Nile Card accounts, Comenity Capital Bank is offering them which defines credit and promotional eligibility qualifications. Minimum purchase and minimum payments monthly are required.

Key takeaways:

  • 0% APR balance transfer intro rate. It offers an introductory 0% APR rate on balance transfers for up to 6 months, which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don’t have to pay an annual fee for the privilege.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Pros and Cons:

The Good

  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Blue Nile Card reports to multiple credit bureaus.

The Bad

  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cashback.
  • You don’t earn rewards on every purchase.
  • Does not include many credit card rewards.

Blue Nile Credit Card Rates

Blue Nile Credit Card Rates

If you pay in full within 24, 36, or 48 months, your APR would be 9.99 percent. The payments vary from $2,000 to $2,999.99 for the 24-month plan, $3,000 to $3,999.99 for the 36-month plan, and over $4000 for the 48-month plan.

And, if you fail to pay within this period, then regular terms, including APR and other financing charges, will apply. 9.99 percent seems reasonable, but the price of a costly diamond accessory can actually rise if you take a long time to pay for it.

Duration Balance
6 months $500 – $1,499.99
12 months $1,500+
18 months $2,000+

Blue Nile Card Fees

Account Type Blue Nile Card
Max Late Fee $38
Max Overlimit Fee None
Max Penalty APR None
Grace Period 25 days
Cash Advance Rate None
Cash Advance Fee None
Foreign Transaction Fee No ne

Blue Nile Card Requirements

  1. Go to the Blue Nile Card
  2. Press “Apply Now”, create a Blue Nile account if you haven’t already, and input your information for the application.

How to apply for Blue Nile Credit Card

  • Visit the Blue Nile Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

Bottom Line

blue Nile credit card conclusion

Blue Nile is one of the largest online diamond brands. The Blue Nile Card makes it easy for you to buy their diamonds and pay in installments. With no annual fee, the Blue Nile Card is inexpensive. However, it works depending on your credit approval and minimum monthly payments. We recommend this card if you plan on purchasing diamonds or other accessories from the Blue Nile in the future and would like good financing options.

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