What are Stud Earrings?

There is a stud earring set to match any style. Kay has stud earrings for vintage, modern, classic or contemporary styles. Stud earrings are similar to solitaire earrings in their functionality as a solid earring with no dangle or extra piece. They vary because of their design and overall look. Stud earrings are not limited to one diamond. They can have as many diamonds as you want! These earrings come in a variety of styles and designs, from heart and geometric shapes to birthstones and halo settings. Take a look at a dazzling set of diamond stud earrings, or maybe you’re looking for something with an amethyst or emerald .

What are Climber Earrings?

One of the most popular earring trends for both elegant and casual looks is ear climber earrings. Ear climber earrings typically go in the ear like a stud earring and have a design that curves up your ear. For example, diamond ear climbers have diamonds positioned on top of one another that curve up your ear. Climber earrings create an illusion of having multiple earrings in at once. These popular earrings are a statement piece that add flare to any outfit. Our ear climber collection has the perfect variety from small and dainty earrings to intricate designs that go all the way up your ear.

What are Jacket Earrings?

Change your look from day to night in the blink of an eye with our wide selection of beautiful earring jackets! Turn stud or solitaire earrings into drop or dangle earrings whenever you’re ready for a new look. Earring jackets add an extra piece to your stud or solitaire earrings by clipping onto the post of an earring from behind the earlobe. Our amazing collection of earring jackets comes in a variety of styles including birthstones and hearts designs. Choose from popular metal types such as yellow gold , rose gold and white gold. Choose from favorite stones such as diamonds and sapphires to find the perfect earring jackets that are right for you.

Diamond Earrings

Diamond earrings are a classic choice that never go out of style. This elegant accessory is the perfect addition to any outfit or look. At Kay, find eye-catching diamond earrings in a variety of styles and designs such as diamond stud earrings , diamond hoop earrings , diamond solitaire earrings and more. Shop beautiful collections that feature exquisite diamond earrings such as Le Vian.

What are Drop Earrings?

Drop earrings are the perfect eye-catching accessory that add a touch of elegance to any look. Also known as dangle earrings, drop earrings are appropriate for any occasion. They can be worn as casual or as fancy as you prefer. Our wide selection of drop earrings is sure to add the “wow” factor to any outfit. With over 700 styles to choose from, there is the perfect pair of drop earrings to complement everyone’s individual style. Also find drop earrings in popular collections such as Le Vian and Open Hearts by Jane Seymour.

Hoop Earrings

Hoop earrings are distinct because of their circular shape. Our wide selection of hoops come in all different lengths and designs. They are perfect for everyday wear or an elegant evening out on the town. Choose from a beautiful selection of precious metals and stones. Find hoops in some of our favorite collections such as Ever Us and Le Vian . With so many colors and styles to choose from, the perfect pair of classic hoop earrings is just a click away.

Gold Earrings

Copper and silver are alloys used to create yellow gold. Rose gold is created by combining gold with large amounts of copper. White gold is created by combining pure gold with copper, zinc and nickel or palladium. Rose gold conveys a blend of warmth and tranquility. White gold is favored for its modern, sophisticated and cool look. Yellow gold is a classic favorite that has been valued for centuries.

White Gold Earrings

Let your ears sparkle with our amazing selection of beautiful white gold earrings at Kay. Our white gold earrings come in an array of different styles such as white gold drop earrings, white gold earring jackets, white gold hoop earrings, white gold stud earrings and white gold solitaire earrings. Show your loved ones how much they mean to you with a gorgeous pair of white gold earrings.

White Gold Diamond Earrings

A classic and popular combination, white gold diamond earrings bring an air of elegance and sophistication to any ensemble. White gold diamond earrings are a jewelry wardrobe staple because they go seamlessly with any color or look. White gold diamond earrings are sparkling and radiant in every way. White gold diamond earrings include popular designs such as white gold diamond studs, white gold diamond hoops and more.

Rose Gold Earrings

Let your ears sparkle with our amazing selection of beautiful rose gold earrings at Kay. Our rose gold earrings come in an array of different styles such as rose gold drop earrings, rose gold earring jackets, rose gold hoop earrings, rose gold stud earrings and rose gold solitaire earrings. Show your loved ones how much they mean to you with a gorgeous pair of rose gold earrings.

Rose Gold Diamond Earrings

A classic and popular combination, rose gold diamond earrings bring an air of elegance and sophistication to any ensemble. Rose gold diamond earrings are a jewelry wardrobe staple because they go seamlessly with any color or look. Rose gold diamond earrings include popular designs such as rose gold diamond studs, rose gold diamond hoops and more.

Yellow Gold Earrings

Let your ears sparkle with our amazing selection of beautiful yellow gold earrings at Kay. Our yellow gold earrings come in an array of different styles such as yellow gold drop earrings, yellow gold earring jackets, yellow gold hoop earrings, yellow gold stud earrings and yellow gold solitaire earrings. Show your loved ones how much they mean to you with a gorgeous pair of yellow gold earrings.

Yellow Gold Diamond Earrings

A classic and popular combination, yellow gold diamond earrings bring an air of elegance and sophistication to any ensemble. Yellow gold diamond earrings are a jewelry wardrobe staple because they go seamlessly with any color or look. Yellow gold diamond earrings include popular designs such as yellow gold diamond studs, yellow gold diamond hoops and more.

Sterling Silver Earrings

Sterling silver jewelry has been valued for centuries and once was considered more valuable than gold. Today, it’s the most affordable of the precious metals. Like gold, pure silver is too soft to be used in jewelry. It’s combined with other metals such as copper to make it more durable. Sterling silver jewelry-such as sterling silver earrings -must contain at least 92.5% pure silver, which is why it’s stamped as .925. Sterling silver can range from bright white to grayish white and can have a matte or shiny finish.

Gemstone Earrings and Birthstone Earrings

Gemstone earrings can brighten any wardrobe. Explore gemstone earrings in a variety of colors like green emerald earrings , red ruby earrings , opal earrings , pearl earrings, diamond stud earrings, amethyst earrings and earrings made from alexandrite. Gemstone earrings are thoughtful birthday presents as well. Shop birthstone earrings like October opal earrings, February amethyst earrings, diamond stud earrings for April birthdays and so much more. From timeless pearl earrings to unique tanzanite stud earrings, Kay has the gemstone earrings for you.

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AKRON, Ohio–(BUSINESS WIRE)–Kay® Jewelers, the number one jewelry store in America, launches Center of Me™, a fine jewelry diamond collection designed as a beautiful reminder that through life’s twists and turns, love keeps you centered.

The collection showcases a design with two interwoven hearts coming together, with a center glittering round white diamond. Seamlessly taking the wearer from day to night, each collection piece can be styled separately or beautifully stacked to express individuality. Key styles of the collection include pendants, earrings and rings.

“At Kay, we want to make it easy and affordable to find an exceptional gift for that special someone in your life. The Center of Me™ collection from Kay is just that,” explained Toni Zehrer, Chief Merchandising Officer, Kay Jewelers. “The Center of Me™ collection reminds us that in the midst of our busy lives, there is one person whose love keeps us centered.”

The product is crafted in silver or in white, yellow and rose 10K and 14K gold, with prices ranging from $199.99 – $6999.99.

The Kay Center of Me™ collection is exclusively available now in stores nationwide and online at KAY.com.

About Kay® Jewelers

Kay® Jewelers, the number one jewelry store in America, is conveniently located in malls and off-mall shopping centers across the country. Kay® Jewelers is operated by Signet Jewelers Limited, the world’s largest retailer of diamond jewelry. Signet Jewelers operates Kay® Jewelers among its approximately 3,300 stores. For additional information on Kay® Jewelers visit www.Kay.com , follow us on Facebook® (www.facebook.com/KayJewelers), Twitter® (www.twitter.com/KayJewelers), YouTube (www.youtube.com/KayJewelers), Pinterest (www.pinterest.com/KayJewelers) and Instagram (www.instagram.com/KayJewelers).

Kay Jewelers Diamond Review: Why You’ll Get Ripped Off

By Michael Fried Scared of getting ripped off? Don’t want to waste your money? Confused by all the choices? Contact us.

Last Updated On: January 7, 2020

    We get commissions for purchases made from our affiliates through links in this article. Learn More.

Michael Fried
Overall Score:1.33
Price:1 Selection:2 Customer Service:1
  • Nothing
  • Terrible quality
  • Inflated prices
  • Poor service
Other Recommended Retailers
  • James Allen

Bottom Line Recommendation

Kay Jewelers offers incredibly poor quality and even worse value. As I was updating this review, a reader asked me about this ring from Kay. I was stunned at the inferior quality and thought it would be a perfect example to highlight. This ring comes without proper certification (so the quality may be even lower than they claim). The beauty and price of the ring do not match up.

For comparison, take this 1.00 ct diamond from James Allen (with legitimate certification) and pair it with this beautiful solitaire setting. The diamond has GIA certification and the cut is fantastic.

The clarity grade is a whopping seven grades higher and the ring will still cost you almost 20% less than the Kay ring. I was so happy this reader decided to contact us before pulling the trigger on that Kay engagement ring purchase.

The History

Kay Jewelers was founded in 1916 by Edmund and Sol Kaufmann in the corner of their father’s furniture store in Reading, Pennsylvania. That original store, of course, bears no resemblance to the corporate giant the company is today.

In the USA, Kay Jewelers is the second largest mall-based jewelry store chain (in terms of the number of stores) after their major competitor Zales. Kay Jewelers is owned by Sterling Jewelers, Inc. (which is owned by Signet Corporation) which also owns the national off-mall higher-end chain store, Jared Galleria of Jewelry.

Additional Regional Chains

In addition to these two national brands, Sterling (the owner of Kay’s) also owns a number of regional chains (JB Robinson Jewelers, Marks & Morgan Jewelers, Belden Jewelers, Osterman Jewelers, Shaw’s Jewelers, Weisfield Jewelers, LeRoy’s Jewelers, Rogers Jewelers, Goodman Jewelers, and Friedlander’s Jewelers).

All of these regional brands operate similarly to and target the same type of customer as Kay does. Jared is Sterling Jewelers only off-mall store brand. Altogether, the Sterling group of stores is the largest jewelry store conglomerate in the USA.

Sterling Jewelers, Inc. is likewise wholly owned by their UK based parent company, Signet Jewelers Limited. Signet also owns a number of successful UK based jewelry chain stores targeting different levels of the market. Sterling Jewelers is the largest jewelry store conglomerate in the world.

Kay Jewelers vs. Online-only

Kay Jewelers is primarily a “bricks & mortar” (B&M) jewelry store chain. As such, there are certain hurdles they face in competing with the broader modern jewelry market that seems insurmountable.

In recent years, Kay has expanded their web presence, but they still can’t undercut their own B&M operations by lowering their prices online to compete with the other online-only stores.

As you can read in my article “Evolution of the Diamond Market“—which presents a brief history of the evolution of the diamond jewelry business over the past century—bricks & mortar diamond jewelry stores have several built-in handicaps when compared to online-only diamond sites.

There simply is no way a retailer like Kay can offer a stunning diamond like this 0.71ct for such a cheap price ($1,560).

1) Online-Only Overview

Let’s take a moment to briefly discuss the issues:

Online-only diamond sites (like James Allen for example) carry almost no inventory. The diamonds they sell are listed virtually by diamond wholesalers and manufacturers and presented by the online store as their own.

The online stores are happy because they don’t have to invest in inventory, and the wholesalers are happy because now they can tap into the retail market without any opportunity cost.

The wholesalers are still free to sell their diamonds to whomever they please—all they need to do is update their diamond feed to the online store when they sell one of their stones elsewhere.

Because of this arrangement with the wholesalers, online-only retailers offer incredible diamonds at a superb price. Take this stunning 1.21ct round diamond, for example. For $6,030 this diamond is a steal. As we explain below, it’s impossible for a brick and mortars retailer to compete with this price.

2) Bricks & Mortar Overview

Inventory is by far the single greatest expense when running a jewelry business. The need to provide many options and styles to customers make a physical inventory a costly endeavor.

For a jewelry store to have 200 diamonds available for purchase, they probably have to invest well over a million dollars. Almost no store has that kind of cash lying around, so they need to take on major loans to carry even a small inventory.

This creates serious levels of debt that online stores don’t experience.

3) The Memo Alternative

Jewelry stores have another alternative to buying on credit or taking out a loan, and that’s what’s referred to in the industry as “memo.” Memo is diamond jargon for consignment. While memo inventories are becoming less prevalent in the industry, it’s still relatively common.

Basically, a wholesaler or manufacturer will loan inventory to a store and only bill them when a stone is sold. The catch, however, is that memo prices are always significantly higher than purchase prices.

Even though they have no interest expenses with a memo arrangement, the B&M stores still need to charge a higher price than the online stores because their cost is significantly higher.

4) Wholesaler Opportunity Costs

The reason, by the way, for the higher memo cost is the opportunity cost to the wholesaler. Once a diamond is “on memo” at a store, they can’t easily sell it to anyone else.

So, the bricks and mortar store needs to pay a premium for having that diamond tied up. Of course, this isn’t the case online, so wholesalers are happy to give the online retailers their lower possible price because they’ve lost no opportunities having the stones listed online.

5) Excessive Overheads

The overhead of B&M stores is astronomically greater than online stores. Think about it: for every mall store in the Kay Jewelers chain, they have to employ a team of employees and pay for utilities, insurance and rent.

Each one of those stores only services a few thousand people in the local geographical location. James Allen services the entire world with only two offices (one in NY to handle the diamonds and one in MD to handle customer service) and about 100 employees.

These four points (inventory, memo, wholesale opportunity costs and excessive overhead) address the primary reasons why B&M operations can’t compete with online-only stores in terms of price. But the inferiority of Kays Jewelers to the major online stores is most definitely not limited to price.

B) Quality

Twenty years ago, a typical diamond jewelry customer would walk into a jewelry store and receive a quick education in diamonds by the very person selling him the diamond.

Obviously, the direction of the lesson was to convince the buyer that the products sold at that store are better and offer more value than the products sold at other stores—without any real measure of objectivity.

6) Kay Jeweler’s Uninformed Customers

The best customer for Kay Jewelers is an uninformed customer—a blank slate waiting to be taught that Kay is what’s best for you.

Of course, now with plenty of information on the internet about engagement rings, the number of uninformed customers is dwindling by a greater margin every year.

A customer who educates himself on the various issues that are central to evaluating diamonds can tell rather quickly that what’s being offered at Kay Jewelers is most certainly not the best value available.

7) Certification Differences

The online vendors we recommend (such as James Allen and Brian Gavin Diamonds.), deal almost exclusively with GIA and AGS diamond certificates. Kay Jewelers deals almost exclusively in looser certifying labs such as IGI.

An uninformed customer might see that an IGI certified diamond is priced the same as a GIA certified diamond and think that the stone is competitively priced. An educated customer knows that the IGI certified stone is probably two to three grades upgraded from what it would receive at GIA. In other words, you’re not comparing apples to apples with IGI and GIA certified diamonds.

An uneducated consumer might think that the light performance certificates that Kay offers on their premium branded stones tell you how brilliant a diamond is. On the other hand, an informed customer knows that it is the diamond’s proportions and angles that matter (as assessed by GIA or AGS)—not a light performance certificate.

C) Head to Head Comparison

In this review, we’ll conduct some direct comparisons to see what you get for your money at Kay Jewelers. Kay is often regarded as the premier B&M jewelry store chain in the USA. We’ll compare the offerings at Kay with James Allen, the premier online store in the world for diamond jewelry.

We’ll compare a one carat round diamond ring from Kay’s two main lines: generic and Tolkowsky.

Generic Diamond

Screenshot of Generic 1 Carat Ring at Kay Jewelers

This engagement ring is a generic non-branded 1 carat round diamond set in a basic 14K White Gold solitaire ring.

One important piece to remember regarding Kay Jewelers and their carat weights is that they go according to the .

8) Receiving Less

You might be shocked as a customer to find out that when you order a “1 carat” diamond from Kay that you might actually receive a 0.95ct diamond.

To drive the point home about Kay Jewelers’ value, we will assume for this exercise that the diamond is actually over 1 carat. Informed readers of this site already know that diamond prices jump drastically at the major carat levels (ie, 0.50, 0.70, 0.90, and 1.00ct).

9) Lack of Color and Clarity Grades

Kay Jewelers doesn’t offer a specific color and clarity grade for their rings. It’s always presented as a range. In the case of our example ring, the range is H-I in color and SI2-I1 in clarity.

We will assume, to be on the safe side, that in our test case the diamond in question is over 1.00ct and is also at the top end of the range of color and clarity (ie. an H SI2).

In reality, you’d probably find many more I I1s in their inventory mix than H SI2s and likewise, you’d probably find many more stones under 1.00ct than over it. But let’s see how the prices compare even if we assume the best case scenario.

10) Comparing IGI Certified Stones

Is $4500 a good price for an IGI certified H SI2 solitaire ring? James Allen does carry a small amount of IGI certified stones, so in this particular case, we’ll be able to compare apples to apples.

We found a similar diamond listed on James Allen. Here is a comparable 1.00ct H color, SI2 clarity round cut diamond. To be clear, I am not a fan of this diamond, especially the inclusions, but this is one reason why we do not recommend IGI certified diamonds.

There are a few important things to note about this stone. Firstly, and most obviously, the price. The stone is listed for $2840. I found a gorgeous 18kt white gold solitaire setting to pair with the diamond, making the total bill $3260. That’s compared to $4500 at Kay Jewelers! Kay Jewelers is 50% more expensive!

Please don’t take our comparisons here as recommendations for what you should buy. We are only trying to find similar diamonds so we compare apples to apples. If you are looking for help buying an engagement ring, contact us and we will make personal recommendations for you.

11) Overall Poor Clarity

The second important thing to note is the poor clarity of the diamond. The stone still received an SI2 grade from IGI. Admittedly, this particular diamond is worse than most IGI graded SI2s, but it’s certainly not the first SI2 graded stone I’ve seen that is included this much. A stone like this would never receive an SI2 grade from GIA.

You might be thinking to yourself, “Hold on a second. That’s not a fair comparison! You’ve picked a terrible stone with a giant black inclusion in the center. The diamond buyers at Kay would never allow a stone like that to enter their inventory.” That might very well be true. So let’s take another example just to be sure:

Here is a far better 1.00ct F SI2 round diamond for $2,920.

12) Higher Grade Comparison

This second comparable stone is a grade higher than the highest grade available for this ring on Kay. The diamond and ring combination should, in theory, cost more than the ring on Kay because it’s a higher grade.

But, in reality, that’s not the case at all. This stone is listed for $2,920 on James Allen. With the setting above (with the discount code applied), the total price comes to $3,280.

As you can see in the magnified picture of the stone above, it’s a fantastic SI2—as nice as possible for an IGI SI2. Still, with getting much more in beauty and value from James Allen in this case, Kay is still almost 20% more!

13) Comparing Prices

Don’t forget many diamonds in this category will be below 1.00ct which would drastically drop the comparative price on James Allen.

Tolkowsky Cut

Screenshot of 1 Carat Tolkowsky Cut Diamond Ring at Kay Jewelers

This diamond is a 1 carat Tolkowsky Diamond set in a basic 14K White Gold solitaire setting. The same rule applies to the Tolkowsky Diamond regarding Kay Jewelers’ diamond weights as mentioned above (ie. that the actual diamond weight begins at 0.95ct for a one carat diamond).

Also, as mentioned above, a range of clarity and color grades are provided instead of a specific grade. Let’s assume for stringency’s sake that the diamond we’re comparing is actually the top combination offered: in this case, an H SI1.

In reality, most likely you’d find that the percentages are always skewed to the lower end of the spectrum (ie. there will be many more I SI2s in Kay’s inventory than H SI1s). Furthermore, you’ll also most likely find that there are usually many more “1 carat” stones under 1.00ct than there are above it.

14) Using James Allen as a Comparison

Is $8,000 a good price for a 1 carat H color SI1 clarity diamond mounted in a 14K White Gold solitaire? Let’s have a look at James Allen for comparison.

This James Allen diamond is a GIA certified 1.00ct H color SI1 clarity diamond with an Excellent cut grade and Polish and Symmetry grades of Excellent. The stone is cut just as nicely as the Tolkowsky, which is a classic ideal cut.

The stone from James Allen would most definitely pass as a Kay Jewelers Tolkowsky cut. The diamond costs $5,430. One can match this stone with a setting such as this 18K white gold solitaire ring.

15) Miles Apart in Price and Value

The cost of the ring is $465. Keep in mind that the James Allen’s ring is 18K gold whereas the Kay ring is 14K gold. So, the total cost of this diamond ring is $5,895. The price for the Tolkowsky ring was $8,000. The two prices aren’t even close. When you consider the following, they’re even farther apart:

1) We made the best assumptions regarding the quality of the specific Kay Jewelers diamond into account (ie. the highest color and clarity within their range and that the diamond is over 1.00cts).

Had we assumed the diamond was an I SI2 instead of H SI1, we could have found a comparable diamond ring on James Allen for about $4,750 total.

2) We are not comparing apples to apples. The Tolkowsky is certified by IGI which is consistently looser than the grading given by GIA.

From personal experience of selecting thousands of stones to be sold into diamond programs with a minimum grade of I SI2, I can say with confidence that most IGI certified I SI2s would most likely receive J color and I1 clarity grades from GIA.

If we were to assume a GIA level J I1, we could find a comparable ring on James Allen for much much less than Kay’s price. So even in the best possible case imaginable, you’re still overpaying at Kay Jewelers by about 30%. Most likely, however, you’d be overpaying by much more than that.

D) In Conclusion

For my other reviews, I felt I needed to actually order something to undergo the full customer experience for each store. With James Allen, for example, we are simply looking at the details of each ring and diamond.

They carry high-quality products that are certified by reliable labs. They carry high-quality fine jewelry. And they are competitively priced. Therefore, in order to discover any significant differences, I needed to immerse myself in the store as a typical customer.

16) Review Online Feedback

For Kay Jewelers, though, there was no need to move beyond an initial comparison (besides, there’s already a plethora of feedback online detailing people’s experiences with Kay Jewelers).

I invite you to google “Kay Jewelers Review” and see for yourself. The differences in quality and price are so glaring that it’s difficult to justify buying from them.

17) Consider the Different Aspects

As I mention in my article on clarity, you should consider your diamond budget to be a pie. Different slices in the pie represent different aspects of the purchase that your budget goes toward.

I argue in the Clarity article that one should assign the largest portions of his budget to the slices that will be visible to your eye (color and carats) and minimize the slices that are not visible to your eye (clarity, but within reason, of course).

There’s another (often hidden) piece in the pie. And that’s the store’s markup. If the store selling you the diamond makes more profit, that definitely does not make your stone sparkle more.

18) Retailer’s Profit Slices

The store’s markup and increased earnings eat up a larger percentage of your budget that could (and should) be used for things that will make your diamond more beautiful, such as carat weight and color.

In conclusion, what kind of pie would you rather buy? One whose invisible profit slice is 14% of the pie, or one whose invisible profit slice is 30-50% of the pie? Consider this when looking at Kay Jewelers, as much of your budget will go to their pockets, not the beauty of your ring.

Mother’s Day Gifts

Several jewelers, including Kay Jeweler’s, offer seemingly excellent gift options for Mother’s Day. Their advertisements usually target a particular line or even a specific item. While these can appear as great gifts for mom, the jewelry is often poorly made and of low quality.

Instead of going with a sub par jeweler, choose a reliable vendor that promises high-quality diamonds and settings, like James Allen. For remarkable jewelry options for Mother’s Day, check out our Mother’s Day gift ideas.

About the author Mike learned the diamond business from the ground-up at Leo Schachter Diamonds – one of the world’s top diamond manufacturers. He has been recognized as a diamond industry expert by Time, People, Money, The Daily Mirror, NerdWallet, The Times Herald, Yahoo Finance Australia, The Art of Charm, The Washington Diplomat, The Next Web, and more. See more Top Recommended Vendors James Allen James Allen is the leader in online diamond sales. Their imaging technology is at the point where it’s almost the same as inspecting a diamond with a jeweler’s loupe. Their customer experience is best in class, and they have recently upgraded their non-engagement jewelry inventory as well. They have the largest exclusive loose diamond inventory online and fantastic prices. For a limited time only, take advantage of James Allen’s Valentine’s Day sale and get 25% OFF! What we love about them:

  • No questions asked returns within 30 days of shipment. James Allen will send you a paid shipping label to return the ring.
  • Lifetime Warranty
  • Free International Shipping
  • Free prong tightening, repolishing, rhodium plating and cleaning every 6 months
  • Provide insurance appraisals
  • One free resizing within 60 days of purchase
  • Free ring inscriptions
  • Best-in-class high quality imagery of all diamonds in stock
  • 24/7 Customer Service
  • Best-in-class packaging

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