Blue Nile Credit Card Review

Blue Nile Credit Card is a store credit card issued by Comenity. If you're wondering whether Blue Nile Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. 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.

The Good	The Bad
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 Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a Blue Nile Credit Card cash back or rewards program?

No, Blue Nile Credit Card does not offer a rewards program. This card features rewards for purchases in the following categories:

• Retail

What are the relevant APRs for Blue Nile Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Blue Nile Credit Card has higher than average purchase APRs.

Blue Nile Credit Card has a variable purchase APR of 29.99%.

What are the fees for Blue Nile Credit Card?

The following fees apply to Blue Nile Credit Card:

Blue Nile Credit Card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	$38

Does Blue Nile Credit Card report your account activity to credit bureaus?

Yes, Blue Nile Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Blue Nile Credit Card

• Visit the Blue Nile Credit 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.