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Jared The Galleria of Jewelry Credit Card Review

Jared: The Galleria of Jewelry credit card offers jewelry lovers wonderful perks on their expansive selection of jewelry. In this article, we review the top perks and key details of this credit card, as well as offer tips on how to maximize your savings with Giving Assistant.

Top PerksJared card review

  1. Save up to 10%-14% total on all online purchases at Jared when you combine your store credit card savings with Giving Assistant cash back, which saves 4% for Savvy Shoppers 8% for Power Shoppers.
  2. Eligible for special 12-month financing. Shoppers who put 20% down on a purchase are eligible for promotional financing, subject to credit approval and at the discretion of Comenity Bank, which issues the card.
  3. Exclusive card-member-only deals. Cardholders have access to exclusive perks, including professional jewelry repair services and free jewelry cleaning and inspections.

Key Details

  • 27.49% variable interest rate
  • Up to $38 in late fees
  • No annual fee
  • 24/7 online account management
  • $2 minimum interest charge
  • 25-day interest-free purchases

Who is This Credit Card Best For?

The Jared The Galleria of Jewelry Store Credit Card is best for frequent shoppers of the brand, as well as Jared Jewelry Boutique and Jared Vault. It is great for those who anticipate making multiple purchases a year. Cardholders are offered free jewelry maintenance, so if you’re buying for yourself or a close relative, you can reap the benefits while keeping their special gift in tact.

How to Get a Jared The Galleria of Jewelry Credit Card

Getting a Jared The Galleria of Jewelry Credit Card is a breeze! Simply follow this link on their website and fill out the application. They will require certain personal details to determine your eligibility. This may include income information, your social security number, and more. Qualified candidates must also be U.S. citizens and the age of majority in their state.

What Else Should I Know About?

The Jared The Galleria of Jewelry credit card has no annual fee! There are other fees to be aware of, however. The card has a 27.49% variable interest rate, so paying your card off during the allotted 25-day interest-free period can help you save big. There is a minimum interest fee of just $2. Paying during the 25-day interest-free period can also help you avoid paying late fees, which could cost as much as $38 per month.

The returned payment fee is $27, as long as you make on-time payments for at least six complete billing periods. If you make a late payment, then the returned payment fee will jump up to $38.

Tips For Using The Jared The Galleria of Jewelry Credit Card

  1. Pay it off as soon as you can. The card has a 27.49% variable interest rate, so Jared cardholders recommend paying off your balance each month within the interest free period to avoid fees. The promotional financing gives cardholders the opportunity to make bigger purchases, but paying them off within the promotional period (12 or 18 months) is key!
  2. Pay attention to the promotional financing terms. While promotional financing is a perk offered to eligible cardholders, the terms are important to note. Promotional financing requires a 20% down payment that can’t be made on your Jared The Galleria of Jewelry Credit Card. Interest is charged to your account at the same 27.49% variable rate if the purchase isn’t paid in full during the promotional period.You’ll also be charged interest for late payments. Monthly payments during the promotional period are equal to the financed amount of the purchase divided by the length of the promotional period, rounded up to the nearest $5 with a $5 minimum.
  3. Take advantage of online account management. Paying online can also help you save big. If you make an individual, expedited payment over the phone, they can charge you up to $15 in fees.
  4. Get extra savings with cash back from Giving Assistant! Be sure to check the Jared store page for the latest coupons. You can also earn 4%-8% cash back savings when you sign up!

How to Use Your Jared Credit Card with Giving Assistant

When you go to Giving Assistant you’ll find verified coupons for multiple brands that offer up to 30% savings on select items. By using a Giving Assistant-provided link when you shop you have the potential to earn cash back, save on your purchase price, and get the added benefits from your Jared Galleria Credit Card when you pay for your purchase.

To get started, you first need to sign up for an account on Giving Assistant. Once enrolled, visit the Giving Assistant Jared Galleria store page here to view the current coupons, promo codes, and deals.

Download the Giving Assistant browser extension called the Button, to automatically populate the highest-value coupons as you visit thousands of online shopping websites.

Maximize your rewards earnings and saving potential by combining your Jared Galleria Credit Card with discount codes and offers found at Giving Assistant today!

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