Blue nile credit card – is it really worth it?


The Blue Nile Credit Card is offered by the popular Blue Nile jewelers who are known for their diamonds. The Blue Nile card is for those people who love to don diamonds, especially the ladies. With this credit card, you can avail the finest diamond jewelry at economical prices.


Do you face problems while making full payments of jewelry? Then, don’t worry, as the Blue Nile Credit Card has come to your rescue. With this card, you can make your payments in installments, rather than in lump sum.  It is an ideal card for people who don’t have the required amount of money at the present moment, but they know that they can earn it in the following months.


Blue Nile Credit Card perks


The card holders of the Blue Nile Credit Card enjoy the best financing offers, with flexible payment options. You can pay overtime as per your requirements. Some offers and deals are exclusively offered to the card members, with good discounts and promotions. You can even manage your online credit account through their website.


This card has no special terms and conditions. It only has some basic terms. For instance, after you make purchases with this card, you get a grace period of 25 days. And, if you fail to pay within the grace period, then you will have to pay the standard variable APR of 26.99%, based on the Prime Rate with a minimum interest charge of $2.The card is offered by Comenity Capital Bank that defines the prerequisites for credit and promotion eligibility. Also, the minimum monthly payment for this card should not be less than $25.


If you make your payments on time with the Blue Nile Credit Card, then you will not have to pay any interest. That is, if you do not make the full payment within 6 to 12 months of your purchase or if you make late payments, then you have to pay the interest charges. Interest will be charged at the standard variable APR (26.99%). The interest for 6 months is from $500 to $1,499.99, and for 12 months is more than $1,500.00. Additionally, you need to make a minimum purchase worth $500 for the 6 months program and $1500 for the 12 months program.


Your APR would be 9.99%, if you pay in full within 24, 36, or 48 months. 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 above $4000 for the 48 month plan. And, if you fail to pay within this time period, then the regular terms will be applied, including APR and other finance charges. 9.99% seems reasonable, but it can actually increase the prices of an expensive diamond accessory, when you take a long time to pay for it.


With no annual fee, the Blue Nile Credit Card is inexpensive. However, it works depending on your credit approval and minimum monthly payments. If your previous balance is not nil, then you would be charged with some yearly fees.


The bottom line

Blue Nile is the largest online diamond brand, so it is not surprising that they have high prices. The Blue Nile Credit Card makes it easy for you to buy their diamonds and pay in installments. Moreover, they have the best quality diamonds in the market with fast delivery. If money is not a problem for you, and if you choose quality over money, then you must go for this credit card.

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