Complimentary Express Shipping on orders over $100.
Holiday shipping through 12/23 at 3pm ET for delivery by 12/24. Learn more.

Personalize your piece with complimentary engraving, now through 12/18, when you purchase an engravable locket style. Shop the Event.

Receive a complimentary MRK Empowering Words Tote with your purchase of $300 or more through 12/18.

Charm Necklaces

Your Story, Not Ours. Our Charm Necklaces are designed to empower and inspire you through their meanings. Behind all the collections are grand themes and universal ideas made modern. Because jewelry should not just be beautiful.

Show Filter

  • Diamond Initial Pendants Diamond A Initial Pendant with Viv Locket
    new
  • "My Earth" 18K Gold Necklace

    Starting from $5,450
  • Love You To the Moon and Back 18K Gold Necklace with Red Enamel and Diamond My Lucky and Fierce Charm Necklaces, Love You To the Moon and Back Charm on Audrey Bracelet
    new
  • Charm Necklaces

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

  • Charm Necklaces

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

  • She is Fierce Necklace My Lucky and Fierce Charm Necklaces, Love You To the Moon and Back Charm on Audrey Bracelet
    new
  • Charm Necklaces

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

    What CHARM
    are you?


    Choose from our collection of charm necklaces to tell your own extraordinary story. Have the Power with our Dorothy Charm, Seize the Day with our Carpe Diem Necklace, or Dream with our Crescent Moon.

    Our Charm Necklaces were created to empower + inspire you.

  • Mother of Pearl Heart Necklace with Diamonds Mother of Pearl Heart Necklace with Diamonds
    best seller
  • My Lucky Charm Necklace My Lucky and Fierce Charm Necklaces, Love You To the Moon and Back Charm on Audrey Bracelet
    new
  • "Power" Dorothy 18K Gold Necklace

    Starting from $2,895
  • "We're all mad here" Necklace We’re All Mad Here 18K Yellow Gold Necklace
    best seller
  • Charm Necklaces

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

  • Charm Necklaces

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

  • Charm Necklaces

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

    Design Your Own Experience


    Imagine your perfect combination of charms and create a necklace in 3D! Have fun creating your own personalized look with 2 or more charms! Preview it, spin it, and change it up in a few swipes.

    DESIGN YOUR OWN

  • "Grace" Dragonfly Necklace with Mother of Pearl and Diamonds

    $2,360

    Pre-Order to Ship by December 23rd

  • Mother of Pearl Flower Necklace with Pavé White Diamonds Mother of Pearl Flower Necklace with Pavé White Diamonds
    new
  • Charm Necklaces

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

  • Charm Necklaces

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

  • Charm Necklaces

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

    You Have Stories to Tell


    Let our jewelry tell yours. Explore our most popular designs.
    Featuring the "Slow & Steady" Tortoise and Hare Necklace

    SHOP BEST SELLERS

  • Intuition Octopus on Rock Crystal "Intuition" Octopus 18K Gold Necklace with Rock Crystal and Diamonds
    new
  • "Audrey" Link Charm Necklace in 18K Yellow Gold "Audrey" Link Charm Necklace in 18K Yellow Gold, with 5 charms
    best seller
  1. 1
  2. 2
  3. 3
Gold charm necklaces are a signature part of our Monica Rich Kosann charm necklace collection.%expanded-mobile%

Our brand was built on the idea that every woman has a story to tell, and our goal was to give them fine jewelry designs that would allow them to tell those stories in unique and singular ways. When we created our 18k gold charm necklaces, we did so with the idea that each should embrace special meanings and grand themes.%expanded-desktop%

We wanted women to be able to identify with those meanings that might be representative of her story – her dreams, her journeys, and her adventures. At the same time, we think of our themes as ones that will empower and inspire, so we look towards ideas like carpe diem, never fear, strength, and perseverance. Our gold charm necklaces are offered in a variety of lengths, both shorter and longer. The shorter necklaces in the collection are available from 17”-22” and any of them can be worn as everyday pieces that one never takes off. They can also be layered together in an ensemble that we like to call a “neck mess,” allowing for a more custom, modern and stylized look. Many of the charm necklaces come on lengths of 30” or longer. These are ideal as one hero piece worn with the right sweater or top, or again layered together for a totally different look. In almost all instances, our gold charm necklace chains are adjustable so you can create different looks with different parts of your wardrobe. We love the idea for example of doubling our longer chains into a choker or lariat type of style. If you own additional gold charms from our collection, you will also find them to be interchangeable with other charms on our necklace chains. For help in finding the right gold charm necklace or a corresponding silver version, please reach out to one of our MRK stylists at concierge@monicarichkosann.com.

Charm Necklaces FAQs

How do you make a charm necklace?

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.

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.