9
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: kay-jewelers-mastercard
Issuer: BreadFinance
Card Name: Kay Jewelers Mastercard
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
The Military Lending Act (MLA) provides certain protections to active duty service members, their spouses, and dependents, including a 36% Military Annual Percentage Rate (MAPR) cap on certain fees and charges.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Kay Jewelers Purchases | 2x | Points | Purchases made at Kay Jewelers stores or online at Kay.com | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere Mastercard is accepted, excluding Kay Jewelers | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 9 Total
PENDINGLifestyle 1
Priceless Cities
Access to unique experiences and offersProvides access to unique experiences and offers in cities around the world.
Security 2
ID Theft Protection
Varies by service, includes monitoring and resolutionProvides services to help detect and resolve identity theft. Includes ID Theft Alerts, Resolution Services, and Experian Credit Monitoring (for eligible accounts).
Zero Liability Protection
Full protection against unauthorized purchasesProtects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for unauthorized transactions.
Shopping 3
Earn Rewards Points at Kay Jewelers
2 points per $1 spentEarn 2 points for every $1 spent on purchases at Kay Jewelers with your Kay Jewelers Mastercard.
Earn Rewards Points Everywhere Else
1 point per $1 spentEarn 1 point for every $1 spent on purchases everywhere else Mastercard is accepted with your Kay Jewelers Mastercard.
Rewards Card Redemption
$10 Rewards Card per 1,000 pointsReceive a $10 Rewards Card for every 1,000 points earned. Rewards Cards can be used towards purchases at Kay Jewelers.
Travel 2
Airport Concierge
15% savings on servicesProvides a personal, dedicated Meet and Greet agent to assist with airport navigation, luggage, and expedited security/immigration (where available). Cardholders receive a 15% savings on services.
Travel & Lifestyle Services
Complimentary service, exclusive offersProvides a complimentary travel and lifestyle service for assistance with trip planning, booking, and access to exclusive offers and experiences.
Travel Assistance 1
Global Service
24/7 assistanceProvides 24-hour emergency assistance for card-related questions, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 31.24%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Kay Jewelers Mastercard from BreadFinance is anticipated to continue offering special financing promotions (e.g., 0% APR for a set period on qualifying purchases) or an initial discount on Kay Jewelers purchases. Eligibility requirements typically include being 18 years or older, a U.S. resident, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrating a good to excellent credit history. Approval is contingent upon BreadFinance's internal credit underwriting standards and overall credit exposure assessment.
Max Cards Per Issuer: 7
Min Spend Interval: The Kay Jewelers Mastercard typically offers immediate benefits (e.g., special financing, initial discount) rather than a spend-based bonus with a specific time interval.
Cliff Effect Rules: BreadFinance (formerly Comenity) does not have traditional 'card family' rules that restrict bonuses based on prior card ownership. However, they assess an applicant's overall credit exposure and relationship with them. Holding numerous BreadFinance cards, especially with high credit limits, can lead to denials for new applications due to perceived over-extension, even if for different retail brands.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Good for financing large jewelry purchases, special promotions, and building credit for those with fair credit. Offers exclusive discounts at Kay Jewelers.
Top Negative:
High deferred interest if the balance is not paid in full by the promotional period end, poor customer service from the issuer (Comenity), and limited rewards or value outside of Kay Jewelers.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Zales Credit Card
- Jared The Galleria of Jewelry Credit Card
- Capital One Platinum Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0