8 Best Credit Cards for Jewelry Purchases [2024]

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.

The 4 Best Personal Credit Cards for Jewelry Purchases

Card	Welcome Bonus and Annual Fee	Jewelry Purchase Benefits
The Platinum Card® from American Express	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
Citi Double Cash® Card	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)
Chase Freedom Unlimited®	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. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. 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
Capital One Venture Rewards Credit Card	Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months. 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

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, Plaza Premium Lounges, and more
• Access to enhanced hotel benefits through Fine Hotels & Resorts and The Hotel Collection
• Global Entry/TSA PreCheck application fee credit
• 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, $189 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 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 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^®

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 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

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 $100 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.

The 4 Best Business Credit Cards for Jewelry Purchases

Card	Welcome Bonus and Annual Fee	Jewelry Purchase Benefits
The Blue Business® Plus Credit Card from American Express	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
The Business Platinum Card® from American Express	Earn 120,000 points after you spend $15,000 on purchases in 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
Ink Business Unlimited® Credit Card	Earn $750 cash back after spending $6,000 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
Capital One Spark Miles for Business	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

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

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 120,000 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/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 $189 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

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.

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

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 $100 Global Entry/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.

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