Blue Nile Credit Card
Basic Information
Program ID: blue-nile-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:22
Last Scraped: 01/15/2026 15:23
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 3,224.00% - 3,224.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,224.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Blue Nile Purchases, 3x Online Shopping (up to $15,000 annually), 2x Dining & Travel, 1x All other purchases
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: United Airlines, British Airways, Air France/KLM Flying Blue, Singapore Airlines, Marriott Bonvoy, Hilton Honors
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Application Eligibility: Applicants must be 18 years or older, a U.S. resident, and possess a good to excellent credit history. Approval is subject to BreadFinance's credit underwriting standards. Bonus Rule: Earn a $100 statement credit after spending $500 on Blue Nile purchases within the first 3 months of account opening. Eligibility for this sign-up bonus is limited to new cardmembers who have not received a bonus for the Blue Nile Credit Card product in the past 24 months. Store-specific restrictions apply to certain promotional offers, financing options, and return policies.
Maximum Cards Per Issuer: 2
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking, sudden drastic change in spending patterns, high cumulative credit limit across BreadFinance products, missed payments, defaulting on other accounts, suspected fraud, or violation of cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Offers special financing for large jewelry purchases, relatively easy to get approved for, good for building credit if used responsibly.
Top Negative Feedback:
High APR after promotional period, limited use outside Blue Nile, customer service issues with Comenity Bank, low credit limits.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Discover it Cash Back
- Kay Jewelers Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $15.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2024-03