10 Benefits of Having a Kay Jewelers Credit Card

Kay Jewelers is one of the biggest jewelry retailers in the nation. Shopping for jewelry is always exciting, especially when you don’t have to worry about finances. Having a Kay Jewelers credit card gives you this flexibility to shop for your next favorite jewelry or find something special for someone else. Kay always has the best selections when it comes to the trendiest pieces, and they also always have a good selection of jewelry classics. If you think you’re going to be buying jewelry soon, the Kay Jewelers credit card might definitely be worth to check out. Here are 10 benefits you’ll get if you’re a Kay Jewelers credit card holder.

1. Low APR

When you’re looing for credit cards, APR is usually one of the first things you consider. Having a low APR has many benefits, and Kay just happens to offer competitive APR percentages. They start off with the lowest at 17%. It may not be the lowest in the market, but it’s lower than many others out there.

2. No annual fee

Your account will automatically stay open as long as you’re actively using this credit card. One of the best parts about it is you’ll never get charged an annual fee to use the Key Jewelers credit card. All of your designated credit will go towards your expenses and not your fees.

3. Credit requirement

This credit card will not require you to have perfect credit score. In fact, it’s probably a good card to have if you’re in the process of just building up your credit or even rebuilding it. Requirements may be different for each individual, but you might find yourself the owner of this credit card even when you have average credit.

4. Credit improvement

Timely payments do make a huge difference. Owning this credit card will give you the opportunity to improve your credit score. All you’ll have to do is make timely payments. Never miss your due date, and if you can, pay your balance in full each month to improve your credit.

5. Special financing

Oftentimes, Kay Jewelers will offer a promotion of special 0% APR financing. When you come across an offer like this, it might be a good time to make that large purchase you’ve been waiting to make. You won’t have to pay for interest as long as you pay off the entire balance of your purchase within the financing terms.

6. Online management

Managing your credit card account has never been any easier. Kay Jewelers will give you personal access to your account online. You can view your balance, pay your monthly dues, review your purchases, and so much more. It’ll give you the assistance you need to maintain a good standing with Kay.

7. Online shopping

You don’t always have to go to the store in order to score a great deal at Kay Jewelers. You’ll actually get access to a wider selection of jewelry by shopping online. The best part of it all is that you can also use your Kay Jewelers credit card to shop their online selection. You’ll be spending more time online than you ever thought you could.

8. Special offers

While Kay doesn’t offer a rewards program, they do offer their cardholders a few benefits. You can have access to special offers on your birthday or on the anniversary of your account. Special offers range in types, and you could get extra savings, discounts, or plenty of other benefit types as well.

9. Free cleaning

As a cardholder, you’ll have access to free cleaning and jewelry inspection at a Kay store. Cleanings and inspections are vital to maintaining the integrity of your jewelry. You’ll want to take the time to take advantage of this benefit, especially since it’ll be free for you as a cardholder. Others would have to pay for cleanings separately or even spend the money to buy jewelry cleaning products.

10. Advance notice

In addition to all these other benefits, you’ll get first access to special sales, promotions, and cardholder only events. Having first access will allow you first dibs on some of the biggest discounts and limited items.

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