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American Gem Society (AGS) Credit Card Program

Drive traffic to your store, grow your business, and generate customer loyalty with the American Gem Society credit card program. Our program is designed specifically for the needs of AGS members and their customers and offers special benefits just for AGS members.

Click the enrollment form button below or call 1-800-577­-5191, Monday – Friday, 7:30 a.m. – 5:30 p.m. Central Time to sign up today!

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The American Gem Society credit card program gives your customers more purchasing power today with the flexibility to pay over time. Plus, your customers will enjoy:

  • Simple online applications
  • Quick credit decisions
  • Competitive credit limits.
  • A revolving line of credit for future purchases

It’s a great way for AGS members to close more sales, build customer loyalty, and grow their business.

Important Files

The American Gem Society credit card program offers competitive financing rates and terms to AGS members. Plus, you can take advantage of our volume rebate incentive program, which provides rebates based on the amount of net charge volume (total of all purchase volume posted to accounts minus any credits, other than payments, on accounts) that you submit during a calendar quarter.

Important Files

Throughout the year, we send American Gem Society cardholders a series of exclusive coupons, such as $50 off any in-store purchase of $250 – $499.99 or $100 off any in-store purchase of $500 or more. These coupons are designed to drive traffic to your store and encourage repeat purchases by AGS cardholders, especially during peak holiday shopping.

When a customer presents a coupon, the dealer simply has to enter the coupon code while processing the customer’s transaction online.

AGS members will be reimbursed in full for all valid coupons submitted during the coupon campaign.

Important Files

Our program uses innovative, time-saving digital tools to streamline the entire financing process:

  • Customers can apply for credit online using an At Home link on your website.
  • Contactless application options let customers text or scan to apply from their own device.1
  • Our online tools let you submit an application, process a transaction, or estimate a payment from your mobile device or computer.2
  • Customers can receive and sign invoices electronically.


  1. Message and data rates may apply.
  2. This process requires an internet connection. Please ensure your device is able to connect to the internet using your own data package. This process does not include a Notice of Right to Cancel. If you conduct business outside of your normal place of business (e.g., consumer home, fair, trade show, expo, etc.), you’re still required to notify your customers of their rights.

Intellicheck’s proven, state-of-the-art identity validation app gives participating jewelers a clear competitive advantage. This program enhancement provides a fast and easy-to-use mobile app for in-store transactions that supports the prevention of fraudulent credit account openings. It makes it easy to confidently extend credit to customers with a frictionless experience that validates identity documents like driver’s licenses and state-issued IDs from every state in under a second.

The importance of this program benefit is already being realized by jewelers across the country who are using the Intellicheck app.

  • Over one percent of all jeweler transactions validated through Intellicheck in 2022 were red-flagged as suspected fraud.
  • With the average sale price of a credit account opening for jewelers amounting to thousands of dollars, the Intellicheck app eliminated well over $16 million dollars of fraud losses to jewelers in 2022, repeatedly demonstrating its value.

Thanks to Wells Fargo’s support, this advanced level of customer service and merchant protection is available to AGS retail members participating in the AGS credit card program for up to the shared amount of 25,000 transactions. Members will have the option to purchase additional transactions through their Intellicheck account if the pool of transactions is used up.

If you are a current AGS credit card program member, click the “Sign up for Intellicheck” button to take advantage of this value-added service. You’ll be taken to an Intellicheck password page where the password is pre-populated. Tap the “Enter” button to get started!