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  Blue Nile Credit Card

Blue Nile Credit Card

in Personal Credit Cards from Comenity

Unaffiliated

Blue Nile Credit Card

Unaffiliated

in Personal Credit Cards from Comenity

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Highlights
Highlights
Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

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.

Key Takeaways
  • 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.
Blue Nile Credit Card Pros & Cons
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 rewards.
Blue Nile Credit Card FAQ

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%.

Does Blue Nile Credit Card have an introductory APR offer on balance transfers?

Yes, Blue Nile Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

Blue Nile Credit Card Balance Transfers
Description
Balance Transfer APR N/A
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 6
Balance Transfer Fee % N/A
Balance Transfer Fee Minimum N/A

Does Blue Nile Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

Blue Nile Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 6

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?

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 can 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   12921 South Vista Station Boulevard
    Salt Lake County
    Draper, UT 84020 USA
  •   Visit Site

About Blue Nile Credit Card

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View all personal credit cards offered by Comenity
View Comenity Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) 29.99%
Minimum Interest Charge $2
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
Rewards Categories Retail
Purchase APR (Variable APR) 29.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months

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SUPERMONEY NET RECOMMENDATION SCORE

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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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