Last Updated: 07/28/2025
Not enough votes for recommendation
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Community Recommended Products
View AllSponsored
Sponsored
Sponsored
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
Blue Nile Credit Card Review
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 will have good approval odds if you have a fair credit score or better.
Pros & Cons of Blue Nile Credit Card
| The Good | The Bad |
|
|
Blue Nile Credit Card FAQ
Does Blue Nile Credit Card have a cash back or rewards program?
- Retail
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Blue Nile Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Does Blue Nile Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Blue Nile Credit Card does not offer balance transfers.Does Blue Nile Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Blue Nile Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for Blue Nile Credit Card?
How do people rate the customer service and user experience of Blue Nile Credit Card?
Does Blue Nile Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Comenity Bank perform a hard credit pull?
How to apply for Blue Nile Credit Card
- Visit the website of Blue Nile Credit Card.
- 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.
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.
Hours of Operation
Other Services by Comenity Bank
Other Credit Cards from Comenity Bank
Purchase APR
Balance Transfer APR
Credit Score Range
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Community Recommended Products
View AllSponsored
Sponsored
Sponsored
SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
0
Blue Nile Credit Card Community Reviews
Would you recommend Blue Nile Credit Card to your friends?
Robelys F.
May 28, 2022
May or may not recommend
Hannah H.
Jan 15, 2022
May or may not recommend
Showing 2 of 2 reviews
You might also like
SuperMoney
Gina Roberts-Grey
Audrey Henderson
LeeAnn Neal
Julie Bawden-Davis
