Unfortunately, this can be quite a difficult question to answer, just because of the fact that I don’t know what your alternative credit card option would be. There are many different kinds of credit cards that could greatly affect the outcome of that response. But what I can tell you is that I have looked into some of the benefits that come with being a Blue Nile card holder and I can say that it does offer a no-interest financing offer. Sadly, this card has a high APR and missing a payment could end up costing you. If I were you, I would recommend finding a better card than the Blue Nile to make the purchase with. Try to use a credit card that allows you to collect points on your purchase.