8 Best Credit Cards for Jewelry Purchases [2024]

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Table of Contents

• What To Look for in a Credit Card for Jewelry Purchases
• Best Personal Cards
• Best Business Cards
• Final Thoughts

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Jewelry purchases make up some of the highest-cost items you can buy, at least with a credit card.

And while jewelry is the umbrella term that encompasses items like engagement rings, antique items, fashion pieces, and the like, the reality is that jewelry can get really expensive really quickly.

A high-ticket item like jewelry can end up giving you a solid chunk of points with just 1 purchase. That’s why if you have the financial means to put your jewelry purchase on a credit card without needing to carry a balance, you’ll still need to pay attention to which card you make your purchase with.

In this guide, we’ll walk you through the ins and outs of the best credit cards for jewelry purchases.

What To Look for in a Credit Card for Jewelry Purchases

When you’re buying jewelry, there are 3 main features you should optimize for:

1. Excellent purchase protection
2. A high credit limit (or ideally, no preset spending limit)
3. Great rewards

Since jewelry is generally quite pricey, having a card with generous purchase protection can be useful if anything goes wrong with your purchase.

Also, having a high credit limit credit card or one without a preset spending limit can be handy to help you avoid getting your card declined at the point of sale.

Lastly, the best credit cards for jewelry purchases are also those that offer the best points!

As you’ll find out, there aren’t any credit cards that offer jewelry as a specific bonus category, so we’ll be looking at the best options for non-bonus spending, starting with personal credit cards.

Best Personal Cards

Card

Welcome Bonus and Annual Fee

Jewelry Purchase Benefits

• Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
• Annual fee of $695 (Rates & Fees)

• 1x points for all non-bonus purchases
• Purchase protection and extended warranty

• Earn $200 cash back after spending $1,500 in the first 6 months.
• Annual fee of $0

• 2% all purchases, including jewelry purchases (1% when you spend and 1% when you pay your bill)

• Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.
• Annual fee of $0

• 1.5% unlimited cash-back on all purchases, including jewelry purchases
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Purchase protection and extended warranty

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Annual fee of $95 (rates & fees)

• 2x miles on all non-bonus purchases, including jewelry
• Purchase protection and extended warranty

The Platinum Card ® from American Express

BEST LOUNGE ACCESS

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More (at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges,Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

• Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards ® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards ® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts ® or The Hotel Collection bookings through American Express Travel using your Platinum Card ® . The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card ® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card ® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card ® .
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $199 CLEAR ® Plus Credit: CLEAR ® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck ® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card ® . Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card ® . That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card ® to your Resy profile.
• $695 annual fee.¤
• Terms Apply.

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Our favorite card to put your jewelry purchase on is the Amex Platinum card. Even though this card needs no introduction, it’s definitively the best card for luxury travel perks and some of the best rewards in the world.

Then, earn 5x points per $1 spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per calendar year; 1x thereafter), as well as 5x points per $1 spent on prepaid hotels booked with AmexTravel.com. All other purchases, including jewelry stores, earn 1x points.

When you hold this card, you’ll also get a magnificent assortment of luxury travel benefits:

• Access to the American Express Global Lounge Collection, including Centurion Lounges, Delta Sky Clubs (when flying Delta the same day), Priority Pass lounges (upon enrollment), Plaza Premium Lounges, and more
• Access to enhanced hotel benefits through Fine Hotels & Resorts and The Hotel Collection
• Global Entry or TSA PreCheck application fee credit of up to $120, as of October 1, 2024
• Complimentary hotel elite status (Hilton Honors Gold and Marriott Bonvoy Gold Elite)
• Complimentary rental car elite status or benefits (Avis, Hertz, and National)
• Access to the Amex International Airline Program for flight discounts
• Access to travel insurance, including trip interruption and cancellation, secondary rental car coverage, trip delay, damaged/lost/stolen baggage, and emergency evacuation insurance

Travel benefits are only a piece of the pie, as you’ll also get over $1,400 in industry-leading statement credits, such as up to $200 airline incidentals credit, up to $200 prepaid hotel credit, $199 CLEAR Plus credit, up to $240 digital entertainment credit (up to $20 monthly), up to $200 in Uber Cash ($15 monthly and $35 in December), up to $300 Equinox credit, and up to $100 in Saks Fifth Avenue credit (2 credits of up to $50 semi-annually).

Enrollment may be required for select benefits, so make sure you explore your American Express account to get the most out of your card.

There’s a final set of very important benefits: purchase protection, extended warranty, and zero liability fraud protection for your big jewelry purchase!

Why We Like Earning Amex Membership Rewards Points

Amex Membership Rewards points are the most valuable type of rewards currency, each worth 2.2 cents by our valuations.

So if you earn 1x points per $1 spent, you’d get a return on spend of 2.2%, possibly even higher if you redeem your points for business and first class travel via the Amex transfer partners.

You can also use your Amex points for cash-back, gift cards, statement credits, Pay With Points bookings through AmexTravel.com, charity, and more, but we wouldn’t recommend these options due to the reduction in value you’d get.

Citi Double Cash ® Card

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

The Citi Double Cash ® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

• No bonus categories
• 3% foreign transaction fees

• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou ® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Citi Double Cash ® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel SM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.

• APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

The Double Cash offers unfussy rewards focused on cash-back at first glance, but upon closer inspection and studying, you’ll realize that your cash-back is now earned as valuable ThankYou Points.

You’ll get a 2% cash-back rewards structure (earned as 1% when you purchase and 1% when you pay it off) with no caps/maximums.

The other card’s perks include zero liability for unauthorized purchases, fraud protection, a late fee pass, flexible pay dates, access to Citi Private Pass for event tickets, and an introductory 0% APR promotion. As with all intro APRs, regular APR, as shown in the table above, will apply.

Why We Like Earning Citi ThankYou Rewards Points

Citi ThankYou Rewards Points are some of the most valuable points out there, worth 1.6 cents each by our valuations, meaning your 2x points are worth 3.2% back!

To get the maximum value out of those points, pair your card with a ThankYou Rewards card like the Citi Strata Premier℠ Card to have access to the full suite of airline and hotel transfer partners and book luxury flights like Lufthansa first class and Singapore Airlines First Class Suites!

And while we wouldn’t recommend these other redemptions, it’s possible to use points for travel booked via Citi ThankYou Travel, gift cards, cash-back, and charity.

Chase Freedom Unlimited ®

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More (at Chase's secure site)

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

The Chase Freedom Unlimited ® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases

• 3% foreign transaction fee
Card Highlights
• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited ® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC
Financial Snapshot
• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

We are huge fans of the Freedom Unlimited card as it offers amazing rewards, especially for non-bonus spending (which jewelry purchases almost always fall under):

• 5% cash-back on travel purchased through Chase Travel
• 5% cash-back on Lyft purchases through March 31, 2025
• 3% cash-back on dining purchases
• 3% cash-back on drugstore purchases
• 1.5% cash-back on all other purchases

You can convert your cash-back rewards to Chase Ultimate Rewards points. You need to have a card like the Chase Sapphire Preferred ® Card, Chase Sapphire Reserve ® , or Ink Business Preferred ® Credit Card to achieve this.

You’ll also enjoy purchase protection, extended warranty, zero liability, fraud protection, secondary rental car insurance, plus 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are our second-most valuable rewards points, just behind Amex Membership Rewards points.

Worth around 2 cents each, earning 1.5x points is equal to a 3% return on spend. You can easily get better value than that, though, if you transfer your points to Chase transfer partners for luxury flights and hotels.

Other solid ways to use your Ultimate Rewards points include Pay Yourself Back, cash-back, statement credits, the Chase travel portal, gift cards, and Amazon purchases.

Capital One Venture Rewards Credit Card

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More (at Capital One's secure site)

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card! Welcome Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

75,000 miles UP's Bonus Valuation*: Annual Fee 19.99% - 29.99% (Variable) Credit Recommended

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit (670-850) Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons
• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit
• $95 annual fee (rates & fees)
• Limited elite benefits
Card Highlights
• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck ®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs
Financial Snapshot
• APR: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees: None
Rewards Center

One of our favorite Capital One credit cards overall, the Capital One Venture card epitomizes Capital One’s rewards system, Capital One Miles.

This credit card is a keeper because it gets you unlimited 2x Capital One miles on all purchases with no caps. You’ll even get an up to $120 Global Entry or up to $78 TSA PreCheck application fee credit!

And when you’re traveling or shopping, you’ll have peace of mind with secondary rental car insurance, travel accident coverage, lost luggage coverage, roadside dispatch, travel assistance, purchase security, extended warranty, zero fraud liability, and more, with no foreign transaction fees (rates & fees).

Why We Like Earning Capital One Miles

Capital One Miles is one of the newest transferable points systems. And since they’re worth around 1.8 cents apiece, we peg the return on spending of 2x miles per dollar spent at around 3.6%.

Still, you can easily boost the redemption value by transferring your miles to travel partners and booking business and first class flights.

Hot Tip: If you plan to purchase jewelry from a department store, check out our guide to the best credit cards for shopping at department stores.

Best Business Cards

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Card

Welcome Bonus and Annual Fee

Jewelry Purchase Benefits

• Earn 15,000 Membership Rewards ® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• Annual fee of $0 (Rates & Fees)
• Earn 2x Membership Rewards points on everyday purchases on the first $50,000 every calendar year, 1x after that
• Expanded Buying Power
• Purchase protection and extended warranty protection
• ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.
• Annual fee of $695 (Rates & Fees)
• 1.5x Membership Rewards points per $1 on eligible purchases of $5,000 or more (up to $2 million in purchases per calendar year)
• Purchase protection, return protection, extended warranty protection, and no preset spending limit*
• Limited Time Offer! Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months.
• Annual fee of $0
• Unlimited 1.5% cash-back on every purchase made for your business
• 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
• Purchase protection and extended warranty
• Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months.
• Annual fee of $0 intro for the first year, $95 after that
• Unlimited 2x miles per dollar on every purchase
• Purchase protection and extended warranty

The Blue Business ® Plus Credit Card from American Express

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More (at Amex's secure site)

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards ® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points UP's Bonus Valuation*: Annual Fee No annual fee 17.99% - 25.99% Variable,0% on purchases for 12 months from date of account opening Credit Recommended

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-840) Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business ® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons
• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost
• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status
Card Highlights
• Earn 15,000 Membership Rewards ® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards ® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• No Annual Fee
• Terms Apply.
Financial Snapshot
• APR: 17.99% - 25.99% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
Rewards Center

Our favorite business credit card for jewelry purchases is the Amex Blue Business Plus card with its superb no-bonus earning potential.

You’ll end up earning 2x Amex Membership Rewards points per $1 spent on everyday business transactions, up to $50,000 per calendar year, and 1x thereafter! You’ll also get access to an introductory 0% APR offer. The APR reverts to the regular rate, as indicated in the table above, after the introductory period.

After hitting the $50,000 spending cap every year, you’ll end up with 100,000 Amex points, worth at least $2,200 by our valuations.

To round out this strong business credit card are benefits like no-cost employee cards, purchase protection, and extended warranty protection (rates & fees).

The Business Platinum Card ® from American Express

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More (at Amex's secure site)

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Earn 150,000 Membership Rewards ® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 points UP's Bonus Valuation*: Annual Fee 18.99% - 27.99% Variable Credit Recommended

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850) Why We Like This Card

The Business Platinum Card ® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons
• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
• High annual fee of $695 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags
Card Highlights
• Welcome Offer: Earn 150,000 Membership Rewards ® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards ® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card ® . Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card ® , here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $199 CLEAR ® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR ® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card ® .
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.
Financial Snapshot
• APR: 18.99% - 27.99% Variable
• Foreign Transaction Fees: None
Rewards Center

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card is a phenomenal card with a strong welcome bonus, excellent travel benefits, and a unique benefit that comes in handy for jewelry purchases. Enrollment may be required for select benefits, so make sure you explore your American Express account to get the most out of your card.

The card earns 5x Membership Rewards points on flights and prepaid hotels booked through AmexTravel.com, netting you a return on spend of around 11% on these travel purchases.

But the real kicker for jewelry purchases is the large purchase bonus that gives you a 50% points bonus (1.5x Membership Rewards points per $1 spent) on purchases of $5,000 or more.

The card earns 1.5x on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else (up to $2 million in purchases per calendar year).

That means your return on spending would be equal to an approximate 3.3% back, given our valuation of 2.2 cents each.

Then, you’ll get most of the same luxury travel benefits as you would with the Amex Platinum card, including:

• Access to the American Express Global Lounge Collection
• Complimentary hotel and rental car elite status
• Hotel elite-like perks with Fine Hotels & Resorts and The Hotel Collection
• 35% Pay With Points rebate on select flights
• Travel insurance and protection, including trip interruption and cancellation, baggage coverage, secondary car rental coverage, and travel accident insurance
• TSA PreCheck or Global Entry application fee reimbursement

To round out all the perks, you’ll get up to $200 airline fee credit every calendar year, up to $400 in statement credits for U.S. purchases with Dell, up to $360 in Indeed credits, up to $150 in Adobe credits, up to $199 in CLEAR Plus credit, and up to $120 in wireless credits. The card also comes with purchase protection, return protection, extended warranty protection, and no preset spending limit.

Ink Business Unlimited ® Credit Card

LIMITED TIME OFFER!



The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More (at Chase's secure site)

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

UP's Bonus Valuation*: Annual Fee 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter Credit Recommended

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850) Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited ® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros & Cons
• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
• 3% foreign transaction fee
Card Highlights
• Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards ® .
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC
Financial Snapshot
• APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

The Ink Business Unlimited card has a lot going for it — after all, it’s our best Chase business card for jewelry purchases, and we’ll show you why.

This card earns a straightforward 1.5% cash-back on all purchases with no caps to earning!

You’ll also get primary car rental insurance, purchase protection, extended warranty, zero liability fraud coverage, and no-cost employee cards.

» Related: 20 Valuable Benefits of the Ink Business Unlimited Credit Card

This card earns cash-back, but you can easily convert your rewards to Ultimate Rewards points with a card like the Ink Business Preferred card, Chase Sapphire Preferred card, or Chase Sapphire Reserve card.

Capital One Spark Miles for Business



The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

Welcome Offer

Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.

50,000 miles UP's Bonus Valuation*: Annual Fee $0 intro for the first year, $95 after that 26.24% (Variable) Credit Recommended

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850) Why We Like This Card

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

Pros & Cons
• Unlimited 2x miles per $1 spent on all purchases
• 5x miles per $1 spent on hotels, vacation rentals, and rental cars purchased through Capital One Travel
• 2 complimentary visits to a Capital One Lounge per year
• Annual fee: $0 intro for the first year, $95 after that
Card Highlights
• Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• Receive up to a $120 credit for Global Entry or TSA PreCheck ®
• $0 intro annual fee for the first year; $95 after that
• Free employee cards which also earn unlimited 2X miles from their purchases
Financial Snapshot
• APR: 26.24% (Variable)
• Foreign Transaction Fees: None
Rewards Center

Our very last card is Capital One’s premium business credit card — the Capital One Spark Miles card. This card is an amazing choice for business owners looking to optimize every business purchase made.

That’s because you can earn an unlimited 2x Capital One miles on all purchases without any caps.

It gets even better because your welcome bonus will be substantial. Also, earn 5x Capital One miles on hotel and car rental bookings made through Capital One Travel.

Just like the Capital One Venture card, the Capital One Spark Miles card boasts a $120 Global Entry or TSA PreCheck application fee reimbursement, a rare benefit for a card with an annual fee under $100.

The last set of perks is roadside assistance, extended warranty, purchase protection, zero fraud liability on unauthorized charges, free employee cards, and no foreign transaction fees.

Final Thoughts

A premium purchase like jewelry calls for a premium credit card.

To make sure that your card doesn’t get declined, has enough of a credit limit to support your purchase, and earns the best rewards, you should shop with confidence using the right credit card. That’s why we took out all the guesswork in helping you figure out the best cards to get for jewelry purchases!

Our top personal card picks are the Amex Platinum card, the Double Cash card, the Freedom Unlimited card, and the Capital One Venture card.

Our top business card picks are the Amex Blue Business Plus, the Amex Business Platinum card, the Ink Business Unlimited card, and the Capital One Spark Miles card.

*No Preset Spending Limit on an American Express card means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

For Capital One products listed on this page, some of the benefits may be provided by Visa ® or Mastercard ® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding the Citi Double Cash ® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card ® from American Express, click here.
For rates and fees of The Blue Business ® Plus Credit Card from American Express, click here.
For rates and fees of The Business Platinum Card ® from American Express, click here.

Featured Image Credit: Upgraded Points

Frequently Asked Questions

Which jewelry credit card is best?

Jewelry store credit cards can be tricky because they may offer sketchy interest rates and fee structures.

If you have the means to avoid carrying a balance, you should consider a premium credit card to help you earn rewards.

We like the Amex Platinum card, thanks to its generous rewards, amazing travel benefits, no preset spending limit, and awesome purchase protection. No preset spending limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Can you use a credit card to buy jewelry?

Yes, you can! The store you shop at may encourage you to pay in cash or sign up for a payment plan, but go ahead and insist on using a credit card so that you can rack up points and protect your purchase.

Can I purchase gold by credit card?

Yes, you can purchase gold and jewelry using a credit card, as long as you’re shopping at a legitimate jewelry store.

What are the best credit cards for buying jewelry?

Our favorite personal cards for buying jewelry are the Amex Platinum card, Double Cash card, Freedom Unlimited card, and Capital One Venture card.

Our favorite business cards for jewelry purchases are the Amex Blue Business Plus card, Amex Business Platinum card, Ink Business Unlimited card, and Capital One Spark Miles card.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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