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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Midi "Love" Heart Necklace with Mother of Pearl and Sapphires
Starting from $485 -
Mini "Strength" Apollo Necklace with White Sapphires
Starting from $215 -
"Perseverance" Fish 18K Gold Necklace
Starting from $7,985 -
Small "Points North" Sterling Silver Necklace
Starting from $285 -
"Sun, Moon, and Stars" Sterling Silver Necklace with White Sapphires
Starting from $395 -
18K Gold Cross Necklace with Diamonds
Starting from $4,360 -
"Adventure" Compass Necklace with Baguette Diamonds
Starting from $8,985 -
"Strength" Apollo Necklace with Diamonds
Starting from $3,695 -
Large "Time is Precious" Necklace with Rock Crystal and White Sapphires
Starting from $875 -
"Dream" Moon Necklace with White Sapphires
Starting from $350 -
Mini "Fearless" Shield Necklace with Diamonds and Blue Sapphire
Starting from $2,950 -
Mini "Strength" Apollo Necklace with Diamonds
Starting from $1,535 -
"Time is Precious" Open Sundial 18K Gold Necklace with Diamond Tip
Starting from $4,250 -
Mini "Protect" Evil Eye Necklace with Mother of Pearl, Turquoise, and Diamonds
Starting from $1,590 -
"Loyal" Dog Intaglio Necklace with White Sapphires
Starting from $435 -
"Grace" Dragonfly Necklace with Mother of Pearl and Diamonds
Starting from $2,250 -
"Warrior" Lion Intaglio Necklace with White Sapphire
Starting from $540 -
Mini "Adventure" Compass Necklace with Diamonds
Starting from $2,165 -
Mini "True North" Compass Key Necklace with Diamonds
Starting from $2,185 -
"Happiness" Sun and Star Necklace with Mother of Pearl and a Diamond
Starting from $1,555 -
"Wish" Dandelion 18K Gold Intaglio Necklace with Diamond
Starting from $3,515 -
Mother of Pearl Mini "Adventure" Compass Necklace
Starting from $1,700 -
"Grace" Dragonfly Necklace with White Sapphires
Starting from $390 -
"Time is Precious" Sundial Necklace with White Enamel and Diamonds
Starting from $7,695 -
Mini "Happiness" Sun Necklace with Mother of Pearl and Diamonds
Starting from $3,150 -
"My Earth" 18K Gold Necklace
Starting from $6,250 -
Petite "Heart" Love Necklace with Mother of Pearl
Starting from $1,130 -
Mini "Scorpio" Black Enamel Necklace with White Sapphires
Starting from $395
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.

