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KO Credit

Zero Down
Special Financing1

On purchases of $300 or more with The Kay Jewelers Credit Card.



Want to shop with your card easily online? Link your card today to use it automatically on your next purchase.

REGISTER CARD


There's a Plan For You

With The KAY Jewelers Credit Card, choose the Special Financing1 option that works best for your budget.

Payback Period Minimum Purchase Interest Rate
6-Month financing2,* $300 Zero Interest if paid in full within 6 months.
12-Month financing2,* $750 Zero Interest if paid in full within 12 months.
18-Month financing2,* $3000 Zero Interest if paid in full within 18 months.
36-Month financing3,* $1500 16.99% APR for 36 months. After that, purchase  APR of 29.99%.

For the 6, 12, and 18 month credit plans, interest will be charged to your account from the purchase date if the purchase balance is not paid within the promotional period.



The KAY Jewelers Credit Card Perks

Enjoy dazzling and exclusive benefits when you use The KAY Jewelers Credit Card!

  • Welcome Gift4

  • $100 Off5 Birthday Gift

  • $100 Off5 Cardholder
    Anniversary Gift

  • Everyday Free Shipping6 with
    your KAY Jewelers Credit Card

  • $100 Off7 twice a year and
    exclusive year-round savings

  • Cardholder only event7

  • Early sales alerts8

  • Inspection and Cleaning Reminders8



You Deserve More Options

When you find the jewelry style you love, you have to have it!
Don't worry—we offer a variety of payment options that make it possible.

EXPLORE ALL WAYS TO PAY



Frequently Asked Questions

Click here to link your card with your online store account. If you don't know your account number, you'll have the option to look up your account online during registration. Once your card is successfully linked, you'll see it automatically appear as a payment option in the billing step, and you can use it on your next purchase.

Yes. You will receive a monthly statement by mail if you have a balance or if there is activity on your account, unless you sign up for paperless statements (see next questions). 

For any questions, please call Comenity Bank at 1-888-868-0296(TDD/TTY: 1-800-695-1788) or visit comenity.net/kay and go to the help page and select transactions and statements.

• Pay online after you have registered your account at comenity.net/kay. 
• Inside a KAY store - please note that Comenity Bank will not accept a credit card as a form of payment. 
• Schedule a payment or send a check to: Comenity Bank; P.O. Box 182273; Columbus, OH 43218-2273. 
See your billing statement for all payment options and details 

Yes. Visit comenity.net/kay and click on “Payments”. Accept terms and conditions and then navigate to the top banner for more details on how to pay your bill with your debit card. For any questions, please call Comenity Bank at 1-888-868-0296(TDD/TTY: 1-800-695-1788) or visit the nearest KAY store.

It’s easy to sign up! Visit comenity.net/kay and click “Register”. Enter your account information (use your current account number).

For any questions, please call Comenity Bank 1-888-868-0296(TDD/TTY: 1-800-695-1788) or visit the nearest KAY store.

Your new credit card will arrive in the mail 7-10 business days from the date you opened your account. If you do not receive your card after 10 business days, please call Comenity Bank at 1-888-868-0296(TDD/TTY: 1-800-695-1788) to request another card.

1Minimum 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. 

2Deferred Interest, Payment Required 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.  * 

3Low 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 purchase APR will apply. Minimum payments are required for each Credit Plan.  *  

*All Promotional Plans: 

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. As of July 2022, terms for new Accounts: Purchase APR of 29.99%. Minimum interest charge is $2 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms 

4Must have a valid email address and U.S. mailing address. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received in your welcome kit.  

5Must have made a purchase in the previous 12 months starting 1 month(s) prior to birthday and card anniversary. Accounts that opened in your birthday month or in the previous month will receive the offer during your birthday month the following calendar year.  Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received during cardholder birthday and anniversary months. Must have valid email address and U.S. mailing address.  

6Limited to Standard Shipping (3-5 Business Days) in U.S. and U.S. territories. Benefit only applies for KAY Jewelers Credit Cardholders.  

7Must have a valid email address and U.S. mailing address. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions.  

8Must have valid email address and U.S. mailing address.  

9Offer valid for new Rocksbox customers only. Go to Rocksbox.com to sign up and redeem at checkout. $10 shopping credit is valid for 60 days from signup. A valid payment method other than the KAY Jewelers Credit Card is needed to subscribe to Rocksbox, even for the free trial. You will be charged $21/month plus tax at the end of your trial period and automatically renew, unless you cancel before then. You may cancel your subscription at any time from your Rocksbox account page or by calling 877-478-0450. Full Rocksbox membership terms can be found at https://www.rocksbox.com/privacypolicy#tos

PAY AS LOW AS FOR PURCHASES OVER $300 
^6 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest $5; you make 6 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.** 

PAY AS LOW AS FOR PURCHASES OVER $750 
^^12 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest $5; you make 12 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.** 

PAY AS LOW AS FOR PURCHASES OVER $3000 
^^^18 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest $5; you make 18 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.** 

**All Promotional Plans:

Deferred Interest, Payment Required 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.  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. As of 10/22, terms for new Accounts: Purchase APR of 29.99%. Minimum interest charge is $2.00 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

Credit card offers are subject to credit approval. 

KAY Jewelers Credit Card Accounts are issued by Comenity Bank or other lenders as applicable.
For other lender Credit Card Accounts, please see your credit card agreement for Account terms, including available credit plans and down payment requirements.

 
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