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  • For A Limited Time Only

    Buy Now, Pay Later.

    Take advantage of our limited time offer and pay in 40 equal payments, with no interest. Benefit from exclusive rewards and add a touch of blue to your wallet.

PROMOTIONAL CREDIT PLAN OFFERS

NEW ACCOUNTS SINCE APRIL 23RD 2018



8 Months Deferred - same as cash (not available in Quebec)

$500 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval, on a Birks FlexitiCard.  No payments are required during the promotional period, except for balance protection insurance premiums and taxes, if applicable, which are billed monthly. No interest is payable during the promotional period, however, interest accrues from the transaction posting date. If the promotional balance has not been paid in full by the promo expiry date, the accrued interest will be charged to your account and interest will be charged on the balance going forward at your account's annual interest rate (AIR). Initial AIR is disclosed upon approval, varies based on creditworthiness, and will not exceed 35.90%.

8 Months Deferred - same as cash with min monthly payment (Quebec only)

$500 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval, on a Birks FlexitiCard. The greater of 1% of
your balance or $10 is due each month during the promotional period, plus balance protection insurance premiums and taxes, if applicable. No interest is payable during the promotional period, however, interest accrues from the transaction posting date. If the promotional balance has not been paid in full by the promo expiry date, the accrued interest will be charged to your account and interest will be charged on the balance going forward at your account's annual interest rate (AIR). Initial AIR is disclosed upon approval, varies based on creditworthiness, and will not exceed 35.90%.

10 Months Equal Monthly Payments, No Interest

$2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval, on a Birks FlexitiCard. No interest will accrue
during the promotional period. Your purchase amount is to be paid in 10 equal monthly payments, plus balance protection insurance premiums and taxes, if applicable. If you do not make any required monthly payment by its due date, the promotional offer may be cancelled and interest will be charged on the balance going forward at your account's annual interest rate (AIR). Initial AIR is disclosed upon approval, varies based on creditworthiness, and will not exceed 35.90%.

20 Months Equal Monthly Payments, No Interest

$2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval, on a Birks FlexitiCard. No interest will accrue
during the promotional period. Your purchase amount is to be paid in 20 equal monthly payments, plus balance protection insurance premiums and taxes, if applicable. If you do not make any required monthly payment by its due date, the promotional offer may be cancelled and interest will be charged on the balance going forward at your account's annual interest rate (AIR). Initial AIR is disclosed upon approval, varies based on creditworthiness, and will not exceed 35.90%. Certain restriction may apply, please see store for more details.

30 Months Equal Monthly Payments, No Interest,

$2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval, on a Birks FlexitiCard. No interest will accrue
during the promotional period. Your purchase amount is to be paid in 30 equal monthly payments, plus balance protection insurance premiums and taxes, if applicable. If you do not make any required monthly payment by its due date, the promotional offer may be cancelled and interest will be charged on the balance going forward at your account's annual interest rate (AIR). Initial AIR is disclosed upon approval, varies based on creditworthiness, and will not exceed 35.90%. Certain restriction may apply, please see store for more details.

40 Months Equal Monthly Payments, No Interest, -Valid until Oct 31st 2018

$2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval, on a Birks FlexitiCard. Minimum purchase applies, ask a store representative for details. Monthly payments include premiums for payment protection insurance, if applicable. Initial AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application and does not exceed RBC prime + 33.29%. No interest will accrue during the promo period unless a payment is missed, in which case, the promo offer may be cancelled and upon cancellation, interest will be calculated at the cardholder agreement annual interest rate (AIR). Interest at the AIR accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. Any balance at end of promo period bears interest at the AIR. Promos and terms may be changed without notice. Financing provided by Flexiti Financial. FlexitiCard, Flexiti and the Flexiti design are trademarks of Flexiti Financial Inc.

40 Months Equal Monthly Payments, Low Interest

$2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval, on a Birks FlexitiCard. Minimum purchase applies, ask a store representative for details. Monthly payments include premiums for payment protection insurance, if applicable. Initial AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application and does not exceed RBC prime + 33.29%. No interest will accrue during the promo period unless a payment is missed, in which case, the promo offer may be cancelled and upon cancellation, interest will be calculated at the cardholder agreement annual interest rate (AIR). Interest at the AIR accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. Any balance at end of promo period bears interest at the AIR. Promos and terms may be changed without notice. Financing provided by Flexiti Financial. FlexitiCard, Flexiti and the Flexiti design are trademarks of Flexiti Financial Inc.

60 Months Equal Monthly Payments, Low Interest

$2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval, on a Birks FlexitiCard. For the promotional
term, the annual interest rate will be 7.99%, 8.99%,or 9.99% (Promo Rate). Your Promo Rate will be disclosed to you before you complete your transaction. Your purchase amount is to be paid in 60 equal monthly payments of principal and interest, plus balance protection insurance premiums and taxes, if applicable. If you do not make any required monthly payment by its due date, the promotional offer may be cancelled and interest will be charged on the balance going forward at your account's regular annual interest rate (AIR). Initial AIR is disclosed upon approval, varies based on creditworthiness, and will not exceed 35.90%.

Standard Revolving

Subject to credit approval, on a Birks FlexitiCard. Interest accrues at your
 account's annual interest rate (AIR). Minimum payments are due monthly in accordance with your cardholder agreement. Initial AIR is disclosed upon approval, varies based on creditworthiness, and will not exceed 35.90%.  An interest-free grace period of 21 days applies for new standard revolving purchases that appear on your account statement for the first time if the balance is paid in full by the payment due date. The minimum payment is the sum of interest, balance protection insurance premiums and taxes, if applicable, plus $10.


PROMOTIONAL CREDIT PLAN OFFERS

ACCOUNTS OPENED PRIOR TO APRIL 23RD 2018


8 Month No Interest No Payment

$500 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise


Subject to credit approval on a Birks credit card account. No payments are required during the promotional period. Interest will not accrue during the promotional period. If during the Promotional Term you do not make any required monthly payment under any Promotional offer, this Promotional offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9%.


10 Equal Monthly Payments with No Interest

$500 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval on a Birks credit card account. Interest will not accrue during the promotional period. The monthly payment is calculated by applying a 10.000% repayment factor to the amount of the Purchase. The promotional period will start on the date of purchase. If during the Promotional Term you do not make any required monthly payment under any Promotional offer, this Promotional offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9%.


20 Equal Monthly Payments with No Interest

 $2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval on a Birks credit card account. Interest will not accrue during the promotional period. The monthly payment is calculated by applying a 5.000% repayment factor to the amount of the Purchase. The promotional period will start on the date of purchase. If during the Promotional Term you do not make any required monthly payment under any Promotional offer, this Promotional offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9%.

*Certain restrictions may apply, please see store for more details.


30 Equal Monthly Payments with No Interest

$2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval on a Birks credit card account. Interest will not accrue during the promotional period. The monthly payment is calculated by applying a 3.333% repayment factor to the amount of the Purchase. The promotional period will start on the date of purchase. If during the Promotional Term you do not make any required monthly payment under any Promotional offer, this Promotional offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9%.

*Certain restrictions may apply, please see store for more details.



40 Equal Monthly Payments with No Interest-Limited time offer, valid until Oct 31st 2018

$2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval on a Birks credit card account. Interest will not accrue during the promotional period. The monthly payment is calculated by applying a 2.500% repayment factor to the amount of the Purchase. The promotional period will start on the date of purchase. If during the Promotional Term you do not make any required monthly payment under any Promotional offer, this Promotional offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9%.

7.9% APR with 40 Equal Monthly Payments

$2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval on a Birks credit card account. The interest rate of 9.9% accrues on each Purchase during the Promotional Term provided that you pay each monthly payment under this Promotional Offer when due. Each such monthly payment is calculated by applying a special repayment factor of 2,833 % to the amount of the Purchase as specified on your sales slip or invoice provided by the Merchant. The promotional period will start on the date of purchase. If during the Promotional Term you do not make any required monthly payment under any Promotional offer, this Promotional offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9%.

9.9% APR with 60 Equal Monthly Payments

$2000 minimum purchase for third party items
No minimum purchase requirement for Birks branded merchandise

Subject to credit approval on a Birks credit card account. A minimum purchase of $2,000 (including taxes) is required. The interest rate of 9.9% accrues on each Purchase during the Promotional Term provided that you pay each monthly payment under this Promotional Offer when due. Each such monthly payment is calculated by applying a special repayment factor of 2.102% to the amount of the Purchase as specified on your sales slip or invoice provided by the Merchant. The promotional period will start on the date of purchase. If during the Promotional Term you do not make any required monthly payment under any Promotional offer, this Promotional offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9%.


Standard Revolving

*Subject to credit approval on a Birks credit card account. Minimum payments are required to the greater of $10.00 or 3.0% of the outstanding balance of your Regular Credit Purchase plus any applicable fees or charges. Interest accrues at the Preferred rate and will be charged to the account until the balance is paid in full. The Preferred Rate of Interest is 29.9%.