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.

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  • She is Fierce Necklace She is Fierce Necklace
    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.

  • 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 Flower Necklace with Pavé White Sapphires Mother of Pearl Flower Necklace with Pavé White Sapphires
    new
  • Mini Fearless Shield with White Sapphire Fearless Shields with White Sapphire
    best seller
  • Mother of Pearl and Blue Topaz Doublet Flower Necklace Mother of Pearl and Blue Topaz Doublet Flower Necklace
    new
  • 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

  • Midi Mother of Pearl Heart Necklace with White Sapphires Mother of Pearl Heart Necklace with White Sapphires
    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

  • Mini Zodiac Vermeil Necklaces

    Out of stock

  • 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

Within the world of fine jewelry, sterling silver has a long and noble heritage as the metal of choice. %expanded-mobile%

For centuries, from every different corner of the world, silver as a precious metal has been made into jewelry. Over time the purity of silver in these pieces evolved to sterling silver, a metal that incorporates 92.5% pure silver as its standard of quality. One of our core collections, that draws upon this storied heritage are our sterling silver charm necklaces. %expanded-desktop%

Like our corresponding collection of 18k gold charm necklaces, these jewelry designs are created with that singular idea that “every woman has a story to tell.” In order to help her tell those stories, our silver charm necklaces are designed to embrace grand themes, and have meanings that are important for a lifetime. The pieces we design and craft, and the stories waiting to be told by the women who wear them, are meant to endure for generations, just as sterling silver has in the history of fine jewelry. All of our silver charm necklaces are offered on a variety of chain lengths that can be worn both short and long. It is this versatility that allows for many styling options. Our shorter silver charm necklaces have chains with additional loops near the closure so that the lengths can be easily adjusted. Making these adjustments allows for a variety of great styling options when you pair your silver charm necklace with other pieces in your jewelry box, or maybe decide to add another of your favorite charms to one of these chains. As an added element, many of our sterling silver charm necklaces also have 18k yellow gold accents to create a two-tone look that can then be easily paired with both gold and silver jewelry styles. In order to find the perfect sterling silver charm necklace, 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.