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Harry Ritchie’s has over 55 years of experience in independent financing. We’ve used that knowledge and customized four Luxury Card types: Silver, Gold, Platinum and Diamond. Each Luxury Card offers a 90 day early payoff incentive, rebate gift cards and numerous other benefits.

Visit one of our locations and our credit experts will do the work for you. It takes minutes to discover which Luxury Card is best for you.

A jewelry account with convenient terms and real benefits. We've got it. You've earned it.
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"Over seven long years ago my girlfriend and I began our long journey together. Harry Ritchie’s Jewelers have been with me every step of the way providing amazing pieces of unique jewelry at great prices. The customer service at my location in Everett, WA is wonderful. Teri the manager is always a joy to talk with, she remembers my name and treats me like a friend not just a customer. I've gotten some great deals using my end of year rebates, including a beautiful Citizen Eco Drive watch for my gorgeous girlfriend. Harry Ritchie’s is a wonderful place to shop."
L. Roberts, Everett, WA

"Unbeatable service, a beautiful selection, and a nice rebate bonus at the end of the year makes Harry Ritchie’s our first choice when looking for something special!"
D. & T. Ibbs, Eureka, CA

"Thanks to the Credit team at Harry Ritchie’s I was able to not only purchase, but upgrade my dream wedding ring. Thank you for making my dreams come true."
James, Springfield, OR

"We especially enjoy the rebates at the end of the year. My husband and I wouldn’t go to any other jewelry store because we completely trust the honesty and great service that we receive there."
C. & L., Portland, OR

"Thank you for your program. I would not be where I am today, credit-wise if our company would not have given me a chance to start and establish credit."
John M., Coeur D Alene, ID

"My credit score DID improve, the payments are totally affordable and the staff is simply amazing. I am excited to continue building my credit and my jewelry collection with Harry Ritchie's... IN MY NEW HOUSE!! Thanks to you girls for encouraging me to make this huge step!"
Bonnie R, Yuba City, CA