Creating a charm necklace is an act of personal storytelling. Start with a chain that feels like the right foundation. From there you can add meaningful charms: symbols, birthstones, or empowering mantras. Choose the meanings that speak to your life and your unique journey. Choose from our curated charm necklace collection, or you can build your own with our interactive Design Your Own experience.
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"Initial" 18K Gold Necklace with Diamonds
Starting from $2,180 -
"She is Fierce" Sterling Silver Necklace with Sapphire
Starting from $315 -
"My Earth" 18K Gold Necklace
Up to 5 Complementary Diamonds Through 12/9!Starting from $5,450 -
“Love You To the Moon and Back” Necklace with Red Enamel and Diamonds
Starting from $2,585 -
"Adventure" Compass Necklace with Baguette Diamonds
Starting from $8,985 -
"Tokens of Luck" Necklace with Center Sapphire
Starting from $345 -
"She is Fierce" 18K Gold Necklace with Diamond
Starting from $2,885 -
"Power" Dorothy Sterling Silver Necklace
Starting from $170 -
"Love" Heart Necklace with Mother of Pearl and Diamonds
Starting from $2,445 -
"Tokens of Luck" Necklace with Center Diamond
Starting from $3,950 -
"Happiness" Sun Sterling Silver Necklace with White Sapphires
Starting from $475 -
"Warrior" Lion Intaglio Necklace with Baguette Diamond
Starting from $2,995 -
Mini "Adventure" Compass Necklace with White Enamel and Blue Sapphires
Starting from $2,155 -
Small "Points North" Sterling Silver Necklace
Starting from $255 -
Mini "Fearless" Sterling Silver Necklace with White Sapphires
Starting from $385 -
Large "Points North" Compass Necklace with Pavé Diamonds
Starting from $2,750 -
"Power" Dorothy 18K Gold Necklace
Starting from $2,895 -
"Time is Precious" Open Sundial 18K Gold Necklace with Diamond Tip
Starting from $3,190 -
Large "Love" Heart Necklace with Black Agate and Diamonds
Starting from $4,430 -
"Adventure" Sterling Silver Necklace with Rock Crystal and White Sapphires
Starting from $940 -
"Fearless" Shield Necklace with Turquoise and White Sapphires
Starting from $1,215 -
Large "Love" Heart Necklace with Mother of Pearl and Diamonds
Starting from $4,470 -
Mini "True North" Compass Key Necklace with Diamonds
Starting from $1,670 -
Large "Love" Heart Necklace with Mother of Pearl and White Sapphires
Starting from $795 -
Mini "Libra" Pink Enamel Necklace
Starting from $335 -
"Queen Bee" 18K Gold Necklace with Diamonds
Starting from $1,695 -
"Perseverance" Fish 18K Gold Necklace
Starting from $6,145 -
Mini "Fearless" Shield Necklace with Diamonds and Blue Sapphire
Starting from $2,615 -
"Queen Bee" Sterling Silver Necklace with White Sapphires
Starting from $190 -
Mini "Scorpio" Black Enamel Necklace with White Sapphires
Starting from $335 -
Midi "Love" Heart Necklace with Mother of Pearl and Sapphires
Starting from $485 -
"Loyal" Dog Intaglio Necklace with White Sapphires
Starting from $385 -
"Fearless" Shield 18K Gold Necklace with Hand Cut Diamonds
Starting from $9,200 -
Crane Necklace with Diamonds
$3,050
Charm Necklaces FAQs
How do you make a charm necklace?
How do I care for my charm necklace to prevent tarnishing or damage?
Depending on the metal, sterling silver, gold vermeil, or 18K gold, care instructions may vary, so follow guidance specific to your piece. All of our sterling silver styles are finished with rhodium, a valuable precious metal, to help resist tarnishing.
In general, it’s always a good idea after wearing to gently store your necklace in a lined box or soft pouch to protect it. Your Monica Rich Kosann piece is designed to be your daily companion. Consistent and thoughtful care ensures it can be for years to come.
How do I choose the right chain length and style for my charm necklace?
Consider how you want the necklace to sit. Shorter lengths (16–18”) are great for wearing solo, whereas longer chains (20”+) offer room for layering and more dramatic styling. Fine links and cable chains are classic and simple, while paperclip styles give a more modern look. Choose what complements your story—and your everyday wardrobe.
Are charm necklaces still in style, and how can I style them?
A meaningful charm necklace never goes out of style. Monica Rich Kosann’s pieces are designed for a lifetime and can be layered, personalized, and are deeply individual. Mix metals, wear varying chain lengths, and combine different types of charms to style your piece.

