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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"Love" Heart Necklace with Carnelian and Rubies
Starting from $2,265 -
"Fearless" Shield Necklace with Green Tsavorites and Tourmaline
Starting from $5,195 -
"Fearless" Shield Necklace with Turquoise and Diamonds
Starting from $7,475 -
"Carpe Diem" 18K Gold Necklace with Rock Crystal
Starting from $3,950 -
"Wish" Dandelion 18K Gold Intaglio Necklace with Diamond
Starting from $3,515 -
"Athena" Dream 18K Gold Necklace with Diamonds
Starting from $3,385 -
Mini "Adventure" Compass Necklace with Diamonds
Starting from $2,165 -
"Time is Precious" Mini Sundial Necklace with Green Enamel and Diamond
Starting from $2,595 -
Mini "Happiness" Sun Necklace with Mother of Peal, Sapphires, and Diamonds
Starting from $2,275 -
"Wild" Wolf 18K Gold Intaglio Necklace with Diamond
Starting from $3,515 -
Mini "Strength" Apollo Necklace with Diamonds
Starting from $1,535 -
18K Gold Cross Necklace with Diamonds
Starting from $4,360 -
"Adventure" Compass Necklace with Moonstone and Diamonds
Starting from $6,750 -
"Venus" Mini Necklace with Emerald and Diamonds
Starting from $2,265 -
"Queen Bee" 18K Gold Necklace with Pavé Diamonds
Starting from $4,235 -
Mini "Adventure" Compass Necklace with Pavé Diamonds
Starting from $4,185 -
"Love" Heart Necklace with Black Agate and Diamonds
Starting from $3,935 -
"Dream" Crescent Moon Necklace with Diamonds
Starting from $4,500 -
Small "Baby Feet" Necklace with Diamonds
Starting from $3,575 -
"Forever Faithful" Paw Print Necklace with Diamonds
Starting from $3,500
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.

