Blue Nile Credit Card

BreadFinance Pending

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3

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: blue-nile-credit-card

Issuer: BreadFinance

Card Name: Blue Nile Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:22

Last Scraped: Feb 11, 2026 10:40

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty Servicemembers may be eligible for benefits under the Servicemembers Civil Relief Act (SCRA). For more information, please call the issuer at 1-800-221-4968.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Blue Nile Purchases 2x Points Purchases made directly at Blue Nile. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Financial 1
No Annual Fee
$0

The Blue Nile Credit Card does not charge an annual fee for maintaining the account.

Financing 1
Special Financing Offers
Varies by offer

Cardholders can access special promotional financing offers on eligible purchases made with the Blue Nile Credit Card. These offers may include deferred interest or reduced APR periods, allowing for more flexible payment options. Offers are subject to credit approval and minimum monthly payments are required.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Cardholders may receive access to exclusive promotions, discounts, and special events tailored for Blue Nile Credit Card members.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ The APR for Purchases will apply to the purchase from the date of purchase if the purchase is not paid in full within the promotional period or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be 18 years or older, a U.S. resident, and possess a valid Social Security Number or ITIN. Good to excellent credit is generally required, though some applicants with fair credit may be approved based on overall financial profile. Bonus Rule: Earn a $100 statement credit after spending $500 on Blue Nile purchases within the first 3 months of account opening. Additionally, receive 10% off your first Blue Nile purchase made with the card within 30 days of approval (up to a $100 discount). Not eligible for the sign-up bonus if you have received a bonus for the Blue Nile Credit Card in the past 24 months.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive returns, unusual spending patterns inconsistent with typical jewelry purchases, defaulting on other BreadFinance products, suspected fraud, multiple recent credit applications across different issuers indicating credit seeking behavior, high cumulative credit limit across all BreadFinance products.

Cliff Effect Rules: Sign-up bonus is not available to applicants who currently hold or have held the Blue Nile Credit Card and received a sign-up bonus within the last 24 months. This rule applies specifically to the Blue Nile Credit Card product and does not restrict eligibility for other BreadFinance co-branded cards, though individual product rules may apply.

Special Events: Blue Nile Anniversary Sale, Valentine's Day promotions, Mother's Day promotions, Father's Day promotions, Holiday Season (e.g., Black Friday, Cyber Monday, Christmas) specific discounts, and exclusive cardholder-only events.

Holiday Promos: Valentine's Day (February), Mother's Day (May), Father's Day (June), Black Friday/Cyber Monday (November), Christmas/New Year (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Special financing options and exclusive discounts for Blue Nile purchases, useful for large jewelry purchases.

Top Negative:
High interest rates, limited utility outside Blue Nile, and customer service can be inconsistent.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Kay Jewelers Credit Card
  • Citi Double Cash Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023