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3.5 carat diamond ring Buying Guide

Harness the power of our guide to save as much as $153,537.
Take a look at this guide if you want to get the most out of your purchase of a 3.5 carat diamond ring. We're going to show you what's worth spending your money on and what isn't, and we'll give you all the details on where to buy that perfect ring, or possibly even a better one.
Ready to shop without learning?
We have gathered the best prices available online for a 3.5 carat diamond ring. Check out our top picks by clicking on the links below.

Diamond Price Guide Overview
8 buying lessons - 5-10 min total read time

Score the most affordable deal for a high-value 3.5 carat diamond ring.

In the upcoming lessons, we will teach you how to make the most of your 3.5 carat diamond ring, making it appear bigger and more dazzling, all while saving money. We will provide guidance on how to avoid being exploited by diamond companies.
Average Price
$47,320.68
Price Range
$17,860-$209,781
Our Max Savings
$153,537
Lessons 1-4  ∴  Save Money 
Lessons 4 & 5  ∶  Spend Money 
Lessons 6-8  ∴  Personalize & Decide 
⤫ 40% Cash Savings

Lesson 1

Buying Online

You can find better deals on diamond rings online. Retail stores can be up to 40% more expensive and have a much smaller variety to choose from.
$156,340 Cash Savings

Lesson 2

Clarity

Our clarity tips can potentially slash diamond ring prices in half. We're here to assist you in saving a significant amount of money.
$12,070 Cash Savings

Lesson 3

Color

The color of a diamond has a big impact on its price. We're here to help you understand how and when you can use this factor to save money.
⤫ 85% Cash Savings

Lesson 8

Lab Grown

By opting for lab-grown diamonds, you can potentially save a whopping 85% on a 3.5 carat diamond ring. Nevertheless, selling it later might pose some challenges.
☺ Spend Money

Lesson 4

Carat Weight / Size

Typically, women prefer a diamond that appears bigger, so that's where you should focus your budget. We can help you achieve a larger size while also finding savings in other areas.
☺ Spend Money

Lesson 5

Cut, Sparkle & Brilliance

The cut of a diamond is the most crucial aspect that determines its overall appearance. It's essential not to skimp on this aspect, as it is what gives the diamond its brilliance and captivating appearance.
≔ Personalize

Lesson 6

Shapes

Each shape of a diamond ring has its own distinct appearance and sparkle. We are here to assist you in understanding the characteristics and brilliance of each shape.
≔ Personalize

Lesson 7

Setting / Band

Choosing a solitaire ring can help you save money and create the illusion of a larger diamond. However, personal preference definitely plays a role in this decision.

Lesson 1 - Buy Online
Up to 40% savings here

Save up to 40% instantly when you buy a 3.5 carat diamond ring online!

Choosing to purchase your jewelry online has numerous advantages over shopping at physical retail stores, particularly in terms of affordability, variety, and the opportunity for personalization. Online retailers such as Blue Nile and James Allen can offer diamonds at significantly lower prices compared to traditional brick-and-mortar stores, often up to 40% less, thanks to reduced operational expenses. Online platforms provide a wider range of options, allowing you to easily find the perfect diamond amidst a vast selection. Additionally, these websites offer more customization choices, enabling you to create a ring that perfectly aligns with your individual preferences and style. This combination of value and customization sets online jewelry shopping apart.

Use the 'shop now' links below to begin designing a 3.5 carat diamond ring that offers great value at a reasonable cost!

Excited to begin shopping? Our links will lead you to the most budget-friendly, top-quality diamonds offered by the finest online diamond companies.

Our Money Saving Links

Watch us compare pricing with retail stores and our favorite online brands

Ease of Use
Pricing
Selection
Customer Service
Best overall experience, great selection, 24/7 customer support
Ease of Use
Pricing
Selection
Customer Service
Another excellent website for very well priced diamond rings.
Ease of Use
Pricing
Selection
Customer Service
They focus on ethically sourced diamonds. Best option for karma free rings
Ease of Use
Pricing
Selection
Customer Service
They focus on ethically sourced diamonds. Best option for karma free rings
Ease of Use
Pricing
Selection
Customer Service
Mostly here to show you how retail companies are not high quality. 

Lesson 2 - Clarity

The price of a 0.25 carat round diamond ring is heavily influenced by the clarity of the diamond.

⊗ Up to $184,872 savings with these tips
Watch us save thousands of dollars by simply selecting the right clarity range.

What is Clarity?

In the world of diamonds, clarity refers to how flawless they are. However, the interesting part is that these flaws are only visible under a 10x magnifier. The clarity scale ranges from 'flawless' to 'included', with classifications like VS1, VS2, and SI1 in between. Diamonds in these categories usually have imperfections that can only be seen with magnification. So, to the naked eye, they look completely clear, and nobody will notice any flaws when they admire your ring!

Optimal Clarity Range for a 3.5 carat diamond ring

Choosing a diamond in the VS2-SI1 clarity range can result in significant savings, potentially slashing the total price of your 3.5 carat diamond ring by as much as $184,872. Considering the price and clarity, we strongly suggest opting for a VS2 diamond. However, it is important not to disregard SI1 diamonds. By dedicating just a few minutes to examine different diamonds, you can uncover ones that appear virtually flawless.

One more important tip! Always avoid "cloudy"

This one is simple. Always avoid cloudy diamonds found in the GIA certificate. This is the one flaw that really matters for brilliance. 
☆ These diamonds have identical carat, cut, & color 
Not Recommended
Go with this clarity
FL
IF
VVS1
VVS2
VS1
VS2
SI1
‹ drag left or right ›

FL - Flawless

Cost - $230,759 This diamond is flawless, but it feels like it's too much considering the price. Savings - You could save $177,316 - $195,192 with a VS2, SI1, or SI2 diamond
‹ drag left or right ›

IF - Internally Flawless

Cost - $209,781 This diamond is internally flawless, which means it is clear on the inside. However, it may have some imperfections on the outer surface. This is also excessive. Savings - You could save $156,338 - $174,214 with a VS2, SI1, or SI2 diamond
‹ drag left or right ›

VVS1

Cost - $130,570 The diamond is nearly flawless, but considering its cost, it's still overly expensive. Savings - You could save $77,127 - $95,003 with a VS2, SI1, or SI2 diamond
‹ drag left or right ›

VVS2

Cost - $116,670 These diamonds are really impressive and the prices are more reasonable, but we still recommend choosing a diamond with a lower clarity. Savings - You could save $63,227 - $81,103 with a VS2, SI1, or SI2 diamond
‹ drag left or right ›

VS1 - Very Slightly Included

Cost - $52,445 If you come across an amazing deal for a diamond with excellent clarity, that's fantastic. However, the clarity tiers that follow are the best option in terms of cost-effectiveness and value. Savings - You could save $-998 - $16,878 with a VS2, SI1, or SI2 diamond

‹ drag left or right ›

VS2 - Very Slightly Included

Cost: $53,443 Total Savings: $-998 - $156,338 If you're searching for the ideal combination of quality and price, this diamond clarity is the ultimate option for you. These diamonds look absolutely flawless to the unaided eye, as any imperfections are impossible to detect.
‹ drag left or right ›

SI1 - Slightly Included

Cost: $45,887 Total Savings: $6,558 - $163,894 You won't find a better deal on diamond clarity than this one. However, it's important to keep in mind that not all SI1 diamonds are identical in appearance. While some may not meet your specific preferences, many of them are truly breathtaking and could easily be mistaken for a higher quality diamond, like a VS2.

Lesson 3 - Color

The cost of a 3.5 carat diamond ring is greatly affected by the color of the diamond you choose.

⊗ Up to $17,077 savings with these tips
Watch us save thousands by purchasing diamonds in the right range

What is Color?

Diamonds can come in various shades, ranging from yellowish to completely colorless. The Gemological Institute of America (GIA) ranks diamonds on a scale from D (colorless) to Z (yellow or brown). Most jewelry diamonds have a slight amount of color and fall into the G-H category. These subtle color differences can only be detected when comparing them to higher-graded diamonds like D, E, or F. While larger diamonds may show more noticeable color, a diamond from the G-H category will still appear nearly colorless and will be less expensive than a D-grade diamond, which is completely colorless.

Optimal Color Range For A 3.5 Carat Diamond Ring

Choosing the right color grade for a 3.5 carat diamond ring can lead to significant savings. Instead of paying premium prices for diamonds in the D-F range, consider selecting a diamond in the G-J range. This decision can still result in a stunning piece while saving you as much as $17,077, in addition to any savings from making informed decisions about clarity.
Clearest Color
Best Value
Sometimes Ok
D
E
F
G
H
I
J
< drag left or right >

D color

Cost - $55,064 This diamond is colorless, meaning it has no hints of yellow, you can find these at a good price, but it is not as common. Savings - You could save $9,329 - $12,073 with a G or H colored diamond
‹ drag left or right ›

E color

Cost - $51,761 An E color diamond is a rare, colorless gem of exceptional beauty and value. You can sometimes find them at a great price. Savings - You could save $6,025 - $8,769 with a G or H colored diamond
‹ drag left or right ›

F color

Cost - $48,655 These are near-colorless with only slight traces of color, making it an attractive choice. You'd really have to look closely to figure it out Savings - You could save $2,919 - $5,663 with a G or H colored diamond
‹ drag left or right ›

G color

Cost - $45,736 These are near-colorless with only slight traces of color, making it an attractive choice for it's quality and price. You'd really have to look closely to notice any color Savings - You could save $2,744 with an H colored diamond
‹ drag left or right ›

H color

Cost - $42,991 Total Savings: $2,744 - $12,073 These are near-colorless with only slightly more noticable hint of color, further making it an attractive choice for it's quality and price. You'd need to have a trained eye to see the color flaw in this one without having a colorless diamond next to it.
‹ drag left or right ›

I color

Cost - $40,412 Total Savings: $5,324 - $14,652 These begin to have a bit more noticable hint of color especially when next to colorless diamonds. These still have unnoticable color if placed on a solitaire ring, but we do not recommend these on a halo ring.
‹ drag left or right ›

J color

Cost - $37,987 Total Savings: $7,748 - $17,077 These also have a slightly more noticable hint of color especially when next to colorless diamonds. These still have unnoticable color if placed on a solitaire ring, but we do not recommend these on a halo ring.

Lab Grown Diamonds

Lab grown diamonds can often cut prices in half and no one will ever notice the difference. 

Lesson 4 - Lab Grown
Save up to 85% on your diamond ring.

Save Over $44,000 on Your 3.5 Carat Diamond Ring with Lab Grown Diamonds.

Lab-grown diamonds, also referred to as man-made diamonds, offer the benefit of having the same appearance as natural diamonds, but they are produced in a way that is more environmentally friendly and morally conscious. Moreover, lab-grown diamonds are more easily accessible compared to natural diamonds, resulting in much more affordable prices. In fact, a lab-grown diamond can be as much as 85% less expensive than a similar natural diamond.

If you find yourself needing to sell your 3.5 carat diamond ring, choosing a lab-grown diamond can help minimize your financial loss.

Choosing the right color grade for a 3.5 carat diamond ring can lead to significant savings. Instead of paying premium prices for diamonds in the D-F range, consider selecting a diamond in the G-J range. This decision can still result in a stunning piece while saving you as much as $17,077, in addition to any savings from making informed decisions about clarity.
Explore Lab Grown 

Lesson 5 - Carat / Size

When you're looking for a diamond ring, consider prioritizing your budget based on carat weight.

Why is Carat Important?

Imagine a diamond ring. What's the main attraction? The size of the center diamond, of course. It's no secret - women agree that size is important according to surveys. And since the carat weight determines the size of the diamond, that's where we suggest you spend your money.
Watch us compare sizes and help you visualize what you want. 

Choose this Carat Range when Purchasing a 3.5 carat diamond ring.

Looking at diamonds between 3.15 and 3.85 carats is a wise decision. This allows you to explore a good variety of prices without having to go for a significantly larger diamond.
Hand Diamond

1 carat

Explore More Diamond Weights

Lesson 6 - Cut

When purchasing your 3.5 carat diamond ring, keep in mind that the cut of the diamond determines its sparkle and shine. Opt for an ideal or excellent cut to enhance its beauty.

Find out why cut makes diamonds sparkle and why you want ideal or excellent cut diamonds.

What is Cut?

When searching for a stunning 3.5 carat diamond ring, one crucial aspect to keep in mind is the diamond's cut. Essentially, the cut refers to how precisely and flawlessly the diamond's facets are shaped, directly affecting its overall sparkle and brilliance.

The diamond companies well-kept secret

When talking about diamond cuts, you'd think that an 'Ideal' cut diamond, which is made to give off maximum sparkle with its perfect proportions, would always be the priciest. But sometimes, a 'Fair' cut diamond with the same carat, color, and clarity can actually cost more. It might seem strange, but badly cut diamonds can appear larger while lacking that desired sparkle and brilliance. A diamond without sparkle is like a movie without sound.

One last thing to keep in mind: go for GIA Certified Excellent Cut Diamonds (also known as "Ideal" Cut).


Never Buy These
Definitely Buy These
Fair
Good
Very Good
Ideal
Excellent
‹ drag for sparkle ›

Fair Cut Diamond

Look at that dull sparkle... not much to write home about. Stay away from these.
‹ drag for sparkle ›

Good Cut

Still pretty bland in the sparkle area... stay away from these. 
‹ drag for sparkle ›

Very Good Cut

Getting better, but you don't save much money to  
‹ drag for sparkle ›

Ideal Cut

The is as low as you should go
‹ drag for sparkle ›

Excellent Cut

Blue Nile calls it Astor, James Allen calls it True Hearts, and Brilliant Earth calls it Truly Brilliant. 

Regardless, excellent cut diamonds have incredible sparkle.

Lesson 7 - Shape

The level of sparkle in diamonds depends on their shape, and some shapes can create the impression of a pricier 3.5 carat diamond ring.

What is Diamond Shape?

When we talk about the diamond's shape, we mean its style, such as round, oval, or many others. Different shapes can make the diamond look bigger, while others give it more sparkle and a timeless charm. Explore our selection of 3.5 carat diamond rings with a variety of shapes by using the shape tool in this section.

What shape to choose?

Different diamond shapes can give the illusion of a larger stone, and certain shapes are trendy right now. However, it's important to remember that your personal preference and happiness should be the ultimate deciding factor. If you're unsure about which style to choose, a brilliant cut diamond might be the ideal option. This category includes Round, Marquise, Princess, Cushion, Oval, Pear, and Radiant shapes. Among these, Round diamonds are usually the top choice, but Oval and Marquise shapes have the potential to make the diamond appear larger for the same carat weight.
Watch us compare shapes so you can see exactly what style you prefer. 

Explore other diamond shapes

Try out different diamonds

Hand Diamond
Round
Marquise
Princess
Emerald
Cushion
Oval
Pear
Asscher
Radiant
Heart

Lesson 8 - Setting

The band can really change the appearance of a 3.5 carat diamond ring.

What is setting?

The part of a diamond ring that holds the stone is called the setting. It's usually made of gold in different colors like white, yellow, or rose. You can also choose a platinum setting. The setting plays an important role in determining how your 3.5 carat diamond ring looks. It allows you to showcase your personal style. Below, we've described the three most popular settings. Regardless of your choice, it's recommended to opt for 14k gold. Continue reading to find out why.
The setting or band is really important for making your diamond look bigger and better. 

You should choose a 14K Gold band.

This is a really important rule to keep in mind. Avoid using 18k or 24k gold for your jewelry setting. Instead, go for 14k gold. It's important to mention that even though 18k and 24k gold are purer, they're much easier to bend and reshape. If the setting holding your precious diamond is too flexible, there's a much higher chance of the diamond falling out. It's a common problem that many people have experienced.

Solitaire Setting - A Slim Band Accentuates the Look of a Larger Diamond

According to polling, a sizeable diamond is on most women's wish list. Enhance the visual impact of a 3.5 carat diamond ring with a Solitaire setting that features a slender, delicate band. The contrast between the smaller band and the grand diamond can simulate the appearance of a larger stone. For an additional effect, opt for settings that use tiny accent diamonds along the band, adding to the ring's beauty without pulling focus from the centerpiece diamond.

Halo: Make Your Diamond Look Bigger with a Collection of Small Stones

The halo design provides a different approach to make your 3.5 carat diamond ring look bigger. By surrounding the main diamond with smaller ones, it creates a beautiful glow that enhances the size of the main diamond. For an even more striking effect, you can choose a double halo design. When combined with a slim band, this setting can make a smaller diamond appear much larger, giving the impression of a more luxurious piece of jewelry.

The main diamond needs to stay the focal point.

A lot of ladies like their diamond to appear big. If your ring's band is too fancy or wide, it can draw attention away from the diamond, making it seem relatively smaller. If your main interest lies in the 3.5 carat diamond ring, then a simpler band would be your safest choice. On the other hand, if the overall design of the ring is your primary concern, a more intricate band might be the perfect fit for you. However, keep in mind that this could take away from the diamond's visibility.

Build a Custom 3.5 carat diamond ring Starting with Our Curated Diamond Selections For The Best Deals

Creating a customized piece of jewelry is a unique journey that allows you to design a ring that perfectly reflects your individual style and personality, all at a much lower price than what you would find in stores. With well-known industry leaders such as Brilliant Earth, James Allen, and Blue Nile by your side, you have the freedom to personalize every aspect of your ring, from choosing the diamond's shape to selecting the band's design.
Start Building
Watch us take you through the entire building process on our favorite websites.

Choose online shopping with our trustworthy partners. Each link ensures the best price for a diamond ring.

We have assessed each company and made sure that every "Shop Now" link will take you directly to the best prices for top-notch diamonds. In other words, our system uses the same settings on each website to assist you in finding the greatest deals for your needs. You can enjoy a wide range of choices, customized rings, and excellent customer service.

Our Money Saving Links

Watch us compare pricing with retail stores and our favorite online brands

Ease of Use
Pricing
Selection
Customer Service
Best overall experience, great selection, 24/7 customer support
Ease of Use
Pricing
Selection
Customer Service
Another excellent website for very well priced diamond rings.
Ease of Use
Pricing
Selection
Customer Service
They focus on ethically sourced diamonds. Best option for karma free rings
Ease of Use
Pricing
Selection
Customer Service
They focus on ethically sourced diamonds. Best option for karma free rings
Ease of Use
Pricing
Selection
Customer Service
Mostly here to show you how retail companies are not high quality. 

Virtual Appointment

Let us help you get help by the industry leaders. When you click the button below we will help you choose where to set up your appointment.
Book Appointment

Frequently Asked

Did you want to know even more? Wow you're a great student!

How much is a 3.5 carat diamond ring worth?

A 3.5 carat diamond ring is worth an average price of $47,300, with a price range of $17,860 to $209,781.

How big is a 3.5 carat diamond ring?

A 3.5 carat diamond ring has a diameter of 9.7mm. This makes it look visibly larger than the 3 carat round diamond, which is 9.3mm in diameter. When compared to a 4 carat round diamond, however, the difference is barely noticeable; as the 4ct has a 10.1mm diameter.

What does a 3.5 carat diamond ring look like like on a hand?

A 3.5-carat diamond ring on a hand appears larger and more eye-catching. It has a width of approximately 9.5mm, which occupies around 56.1% of the finger's width.

What is the price of a 3.5 carat diamond ring?

The price of a 3.5 carat diamond ring can range from $17,860 to $209,781.

Is a 3.5 carat diamond ring good enough?

Yes, a 3.5 carat diamond ring is considered quite impressive. The larger the carat weight, the more valuable and eye-catching the diamond tends to be. However, it's important to consider other factors such as the cut, clarity, and craftsmanship of the ring to ensure its overall quality and beauty.

Is a 3.5 carat diamond ring big?

Yes, a 3.5 carat diamond ring is considered big. The average carat weight for a diamond engagement ring is about 1.2 carats, so a 3.5 carat diamond is significantly larger. A 3.5 carat diamond is highly noticeable and eye-catching. While it is above average, it is not uncommon or difficult to make that size work on your finger.

What does a 3.5 carat diamond ring weigh?

A 3.5 carat diamond ring weighs 0.7 grams.

Should I get a 3.5 carat diamond ring?

A 3.5 carat diamond ring is a great choice because of its impressive size, which will make it stand out on your finger. It is also quite rare, making it a unique and special piece. Additionally, the larger carat weight adds to its overall appeal and value.

Is a 3.5 carat diamond ring too big?

A 3.5 carat diamond ring is considered large, but it ultimately depends on personal preference and style.

Is a 3.5 carat diamond ring small?

A 3.5 carat diamond ring is not considered small. The size of the center diamond will vary depending on the size of the finger it is worn on. Additionally, certain settings like a halo setting can create the illusion of a larger diamond by incorporating smaller diamonds around it.
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