We’re always looking for a little distraction in the form of something shiny — specifically, the stuff that
adorns your fingers, accentuates your collarbones, and dangles from your earlobes: jewelry. However, the type of mood-boosting bling we're talking about here is not necessarily of the cheap and cheerful variety. Instead, our focus is on the finer pieces that require a little bit more of an investment. Lucky for us, the internet is replete with baubles that are of exceptional quality (aka actual solid gold and silver) but won't cost you several month’s rent.
If you know where to look, there are great values to be had in the world of precious metals; sites like Etsy and Ylang23 boast every price point under the sun, including plenty that falls
under the $200 mark. And thanks to the growing popularity of demi-fine jewelry (gilded pieces made with sterling silver or alloys of gold) at retailers like Ana Luisa and Net-a-Porter, there are more affordable options than ever. If you’re in the market for a unique new trinket or love token for someone special, click right this way — because we've lined up 25 of the shiniest pieces for under $200 ahead. At Refinery29, we’re here to help you navigate this overwhelming world of stuff. All of our market picks are independently selected and curated by the editorial team. All product details reflect the price and availability at the time of publication. If you buy something we link to on our site, Refinery29 may earn commission. Tarin Thomas for Poolside Stud Earring
OMG! These cheeky single earrings are the silliest. At $128 each, they’re a precious and affordable way to brighten your — or a friend’s — day.
Shop Tarin Thomas for Poolside Tarin Thomas
Stud Earrings, $128.00
Buy Ana Luisa Gold Vermeil Prism Earrings
When shopping for demi-fine jewelry, look out for gold vermeil — it offers an actual measurable thickness of gold layered over sterling silver. Ana Luisa uses the material to prismatic effect with its rainbow-hued drop earrings.
Shop Ana Luisa Ana Luisa
Gold Vermeil Prism Earrings, $75.00
Buy Missoma Square Malachite Gold Necklace
Malachite — with its tonal layers of green and shiny finish — is one of our favorite semiprecious stones. Against a backdrop of gold vermeil, it makes a stunning statement.
Shop Missoma Missoma
Malachite Gold Necklace, $123.00
Buy Helzberg Diamonds Wavy 10K Gold Band
This slim, undulating band in 10K gold is a serious score at less than $130 — it’s even studded with 25 single-cut diamonds.
Shop Helzberg Diamonds Helzberg Diamonds
Wavy Diamond Band in 10K Yellow Gold,
$199.99 $129.99 Buy Maison Miru Mini Forever Hoops This dainty, lightweight pair of 14K gold hoops is the kind that you’ll put in and never take off — possibly the best $90 you’ll ever spend. Maison Miru
Mini Forever Hoops (Pair), $90.00
Buy Blue Nile Sterling Silver Padlock Necklace
Is this the work of a 5th Avenue-based heritage jewelry house, or a well-priced, surprisingly stylish find from a big-box bauble destination? That’s for you to know, and your friends to find out.
Shop Blue Nile Blue Nile
Padlock Necklace in Sterling Silver, $195.00
Buy Poppy Finch Keishi Cultured Pearl Ring This skinny-mini 14K gold stacking ring showcases a glowing keishi pearl that seems to float in its setting. Poppy Finch
Skinny Keishi Cultured Pearl Ring, $150.00
Buy BaubleBar “X” 14K Gold Single Earring
A simple, solid gold “x” makes a decisive statement when added to a lineup of multiple piercings.
Shop fine jewelry at BaubleBar BaubleBar
X 14K Solid Gold Single Stud Earring, $75.00
Buy Fremada Gold Stacking Ring
Despite a dainty appearance, this slim solid gold stacking band still makes a statement, thanks to a faceted, textured finish. At less than $70, you could get one for yourself and one for a friend. (If you’re feeling extra splashy, stack it with another Overstock.com find — this wide jade band adorned with a solid gold elephant.)
Shop fine jewelry on Overstock.com Fremada
14K Gold Faceted Stacking Ring, $69.49
Buy Palm Beach Jewelry
10K Yellow Gold Genuine Green Jade Elephant Ring,
$104.99 $94.49 Buy Alison Lou Tiny Pill Single Earring
Alison Lou is known to work magic with enamel to create cheeky emoji jewelry, so this assortment of gilded multi-colored pill earrings are a natural next step.
Shop Ylang23 Alison Lou
Tiny Pill Stud Single Earring, $195.00
Buy A&M Ball Stud Earrings
These classic stud earrings offer a lot of value and style for a mere $20.
Shop fine jewelry at Walmart A&M
14K Solid Gold Classic Ball Stud Earrings, $20.00
Buy Zoë Chicco 14K Gold Turquoise Stacking Ring
Keep your dainty rings from fading into the background by choosing bright, can’t-be-missed stones — like this eye-catching polished turquoise set in 14K gold.
Shop fine jewelry at Nordstrom Zoë Chicco
14K Gold Turquoise Stacking Ring, $180.00
Buy Stella & Bow Rio Strawberry Hoops
Squee! We’ve never seen a prettier or more summer-ready pair of earrings. Who knew strawberries played so nice with solid gold?
Shop Stella & Bow Stella and Bow
Rio strawberry hoops, $160.00
Buy Mary John Hydrangea Blossom Ring
We swooned over the affordable selection of organic, handmade fine jewelry in Mary John’s Etsy shop, but ultimately landed on this solid gold hydrangea ring — a design that the North Carolina-based designer carved herself from wax. So sweet!
Shop Mary John on Etsy Mary John
Hydrangea Blossom Flower Ring,
$199.00 $179.10 Buy AURate Mini Pyramid Studs
We’re not mad at a pair of delicate 14K gold pyramid studs for $100 — as you can see, they’ll play nice with the rest of your ear candy.
Shop AURate Aurate
Mini Pyramid Studs, $100.00
Buy Ice On Fire Solid Gold Initial Pendant
One of our favorite hacks for spending less coin on fine jewelry is to purchase a precious pendant and string it on an existing chain. Now that we’ve saved all that money, we’re definitely splurging one or more of these delicious bubble-letter alphabet pendants — each is solid 10K gold studded with cubic zirconia.
Shop fine jewelry on Amazon Ice on Fire
Solid Gold Bubble Initial Pendant, $103.99
Buy Merewif Joyful Eyes Earring
A brilliant emerald nestled in a unique setting — and flanked by two mini diamonds — gives this 10K gold ring a mystical appearance.
Shop Local Eclectic Merwif
Joyful Eyes Ring with Emerald, $184.00
Buy The Last Line Double Sphere Drop Earrings
This single, lengthy drop earring makes the perfect anchor for an asymmetrical assortment of earrings.
Shop The Last Line The Last Line
Double Gold Sphere Drop Earrings, $179.00
Buy Infinity Cowrie Shell Necklace
This organic, convertible necklace is adorned with two gilded cowrie shells — mollusks that were once traded as currency in West Africa. Now, the shell is regarded as a symbol of abundance and prosperity, and designer Ashley MacFarlane offers a delicate homage in two under-$200 options: gold vermeil or sterling silver.
hop OmiWoods on Etsy OmiWoods
Cowrie Infinity Necklace, $97.99
Buy Pamela Love Sterling Silver Dome Ring
We’ve been fans of Pamela Love’s sculptural designs for years, and the designer hasn’t stopped turning out cool and affordable creations like this large-scale silver dome ring.
Shop Pamela Love Pamela Love
Dome Ring, $150.00
Buy Stone & Strand Single Alphabet Earring
These individual diamond-studded 14K gold letter earrings from Stone and Strand are surprisingly hefty, given their competitive cost.
Shop Stone & Strand Stone and Strand
Alphabet 14-karat gold diamond single earring, $145.00
Buy Allegro Gold Double Moon Necklace
Doubling up on your fine finds is never a bad thing — at less than $150, this 14K gold necklace holds a lot of bang for your buck.
Shop Allegro Gold on Etsy Allegro Gold
14K Gold Double Moon Necklace,
$184.00 $147.20 Buy Erica Weiner Acrostic Alphabet Stud
Erica Weiner’s single acrostic earrings can be customized with 26 different gems, each representing a letter of the alphabet. Spell out as much or as little as you want.
Shop Erica Weiner Erica Weiner
Acrostic Alphabet Single Stud, $115.00
Buy Mejuri Diamonds Open Ring
An open ring makes a lovely and unexpected addition to any stack — and Mejuri’s 14K gold and diamond iteration is a supremely affordable option.
Shop Mejuri Mejuri
Diamonds Open Ring, $165.00
Buy Catbird Gold Big Hoop Dreams Earrings
A classic pair of affordable gold hoops can be surprisingly hard to find, but Catbird never lets us down in the essentials department.
Shop Catbird Catbird
Big Hoop Dream Earrings, yellow gold, $140.00
Buy Leigh Miller Sterling Silver and Pearl Earrings
It’s rare that precious jewelry gets marked down, but it does happen once in a blue moon. That’s why we always keep on eye on the sale section on sites like Net-a-Porter, to see if any of our wish-listed baubles have made the cut.
Shop jewelry on sale at Net-A-Porter Leigh Miller
Sterling Silver and Pearl Earrings,
$319.00 $95.70 Buy