Jewelers Reserve Credit Card

Jewelers Reserve Credit Card Review

This is a store credit card issued by Citi®. If you're wondering whether Jewelers Reserve card is the right card for you, read on.

Key Takeaways

• Competitive APRs. Jewelers Reserve Credit Card has a variable purchase APR that ranges from 11.99% up to 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.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Jewelers Reserve card

The Good	The Bad
Special financing options available. Potentially lower than average purchase APRs. No annual fee. Jewelers Reserve Credit Card reports to multiple credit bureaus.	High interest rates. You need good credit to qualify. 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.

Jewelers Reserve card FAQ

Does Jewelers Reserve card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for Jewelers Reserve card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Jewelers Reserve Credit Card has a variable purchase APR that ranges from 11.99% up to 29.99%.

What are the fees for Jewelers Reserve card?

The following fees apply:

Jewelers Reserve card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	$40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Jewelers Reserve Credit Card report your account activity to credit bureaus?

Yes, Jewelers Reserve Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

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 Jewelers Reserve card

• Visit the Jewelers Reserve 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.