KAY Jewelers Credit Card
Annual Fee: $0
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their KAY Jewelers Credit Card or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $4,917, with $7,600 being the most common.
Here’s the average credit score of members who matched their KAY Jewelers Credit Card or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 663, with 654 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
37.6%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
43 years
Average age of members who matched this card or similar cards.
$86,707
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
June 22, 2017
Awesome opening credit line!
— Credit Karma Member
So my boyfriend and I went window shopping for an engagement ring because we started talking about marriage and figured I'd point out some rings so he would know what I want when the time comes. First we had gone to Zale's and I pointed out a few rings to him that caught my eye so I figured I'd apply for their card and see what I was approved for. Only 2500, which would make my utilization 100% with the engagement ring I wanted. Told the lady there we would think about it, and then we went over to Kay's and I fell IN LOVE with a $4100 ring, and so the lady asked if we wanted to do a credit app and I was hesitant but she told us she could get a higher credit limit then what I had for Zale's. What do you know she comes back and I got approved for $8100! I was so excited! We ended up buying the ring under a low apr for 36 months with low minimum payments of 130 each month. I'm so excited about my new ring and new card, thank you Kay! My transunion score is 671 and my experian is 688, with a fico of 690. My utilization for my credit cards are around 20% overall and I have 13,400 in available credit before those 2 cards. I only have credit cards and one installment loan, but I have a ton of inquiries from when I just turned 18 and went crazy with applying. But obviously Kay's was kind enough to approve me for such a high credit line! Awesome card!
Most helpful negative review
March 14, 2023
Horrible customer service
— Credit Karma Member
My promotional plan ran out only by one day and they would not remove a 799.00 interest charge. Didn’t even provide any assistance and were rude! I will never use this card again and I will no longer shop at Kay’s!