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3.5 carat heart shaped diamond ring Buying Guide

Discover how to save as much as $153,537 with our guide.
This helpful guide will show you the best ways to make the most of your budget when purchasing a heart-shaped diamond ring that weighs 3.5 carats. We will provide guidance on what aspects are worth investing more money in and which ones don't require much financial attention. Additionally, we will share insider tips on where to find that special ring, or perhaps an even better one.
Ready to shop without learning?
We've carefully selected the best deals on heart-shaped diamond rings that are 3.5 carats from top online stores. Check out our recommended choices in the links provided below.

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

Snag the best price on a high-quality 3.5 carat heart shaped diamond ring.

In the upcoming lessons, we will teach you how to maximize the size and brilliance of your 3.5 carat heart shaped diamond ring without breaking the bank. Additionally, we will provide guidance on avoiding being deceived 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 save a lot of money by purchasing diamond rings online. Physical stores often charge up to 40% extra and have a limited variety to choose from.
$155,960 Cash Savings

Lesson 2

Clarity

By following our clarity tips, you can potentially reduce the cost of diamond rings by 50%. We are here to help you save significantly.
$13,450 Cash Savings

Lesson 3

Color

The color of a diamond is a major factor in determining its price. We're here to help you understand how to use this knowledge to save the most money.
⤫ 85% Cash Savings

Lesson 8

Lab Grown

You can save more than 85% on a 3.5 carat heart-shaped diamond ring by opting for lab-grown, but it's unlikely that you'll be able to sell it later on.
☺ 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 diamond's cut is the most important factor in its overall appearance. It's not the place to cut corners and save money, as it is what gives the diamond its sparkle and distinctive charm.
≔ Personalize

Lesson 6

Shapes

A diamond ring displays a unique appearance and brilliance in every shape. We will help you understand how each shape presents itself and shines.
≔ Personalize

Lesson 7

Setting / Band

A single band can help you save money and improve the look of your diamond, but it's important to remember that personal preference plays a role in this decision.

Lesson 1 - Buy Online
Up to 40% savings here

Buy your 3.5 carat heart shaped diamond ring online and save up to 40% instantly.

Consider this: purchasing your engagement ring online. Websites such as Blue Nile and James Allen provide significant discounts, reducing prices by up to 40% compared to physical stores. Additionally, you'll have access to a wider range of options and customization features. This way, you can find the ideal ring that suits both your preferences and budget.

Click on the shop now links below to begin building the most affordable and valuable 3.5 carat heart-shaped diamond ring!

Want to go shopping right now? Our links will guide you to the best deals on high-quality diamonds from trusted 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 cost of a 0.3 carat cushion cut diamond ring is greatly influenced by the clarity of the diamond.

⊗ Up to $179,630 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 appear. However, it's important to note that the term "noticeable" is key here, as most imperfections can only be seen under a 10x magnifying glass. Diamond clarity is categorized from 'flawless' (FL) to 'included' (I), with classifications like VS1 (Very Slightly Included), VS2, and SI1 (Slightly Included) falling in between. Diamonds in these categories often have blemishes that can only be seen with a 10x magnifier. So, to the naked eye, they usually look completely clear, ensuring that anyone admiring your ring won't notice any flaws!

Optimal Clarity Range for a 3.5 carat heart shaped diamond ring

Choosing a diamond in the VS2-SI1 clarity range for your 3.5 carat heart shaped diamond ring can result in significant savings, potentially reducing the total price by as much as $179,630. It is important to note that we highly recommend considering the VS2 clarity grade due to its excellent balance of price and clarity. However, it is also worth mentioning that SI1 diamonds should not be overlooked. With just a few minutes of searching through available options, you can easily find SI1 diamonds that give the appearance of being 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 The diamond is perfect, without any flaws, but the price is way too high. Savings - You could save $176,939 - $182,186 with a VS2, SI1, or SI2 diamond
‹ drag left or right ›

IF - Internally Flawless

Cost - $209,781 This diamond is completely flawless on the inside, which means it doesn't have any imperfections within. However, there might be some flaws on its surface. Overall, this is equally excessive. Savings - You could save $155,961 - $161,208 with a VS2, SI1, or SI2 diamond
‹ drag left or right ›

VVS1

Cost - $199,292 This diamond is practically perfect, but considering its price, it's still excessively expensive. Savings - You could save $145,472 - $150,719 with a VS2, SI1, or SI2 diamond
‹ drag left or right ›

VVS2

Cost - $189,327 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 $135,507 - $140,754 with a VS2, SI1, or SI2 diamond
‹ drag left or right ›

VS1 - Very Slightly Included

Cost - $151,462 If you are able to find a good deal within this specific range of clarity, that's great. However, the following clarity grades are the perfect match in terms of price and value. Savings - You could save $97,642 - $102,889 with a VS2, SI1, or SI2 diamond

‹ drag left or right ›

VS2 - Very Slightly Included

Cost: $53,820 Total Savings: $97,642 - $155,961 This diamond clarity provides the perfect balance of quality and cost-effectiveness. When it comes to these diamonds, you'll be hard-pressed to find any imperfections, making them appear flawless.
‹ drag left or right ›

SI1 - Slightly Included

Cost: $51,129 Total Savings: $100,333 - $158,652 This is the best option for diamond clarity at an incredibly affordable price. It's important to note that not all SI1 diamonds are the same. While some may not live up to your expectations, there are many that are absolutely stunning and could even be mistaken for a higher quality VS2 diamond.

Lesson 3 - Color

The cost of a heart-shaped diamond ring weighing 3.5 carats is significantly affected by the color of the diamond chosen.

⊗ Up to $19,028 savings with these tips
Watch us save thousands by purchasing diamonds in the right range

What is Color?

Diamonds can have a yellow tint or be completely colorless. The GIA grades them from D (colorless) to Z (yellow or brown). Most diamonds used in jewelry are in the G-H range, which means they have a slight color. You can only see this color when you compare them to higher-grade diamonds like D, E, or F. While you can notice color differences more easily in larger diamonds, a heart diamond in the G-H range will still appear almost colorless and will be cheaper than completely colorless diamonds like those with a D-grade.

Optimal Color Range For A 3.5 Carat Heart Shaped Diamond Ring

Choosing the appropriate color grade for a 3.5 carat heart shaped diamond ring can lead to significant cost reductions. Instead of spending a fortune on diamonds graded D-F, consider opting for a diamond within the G-J range. This decision can still result in an exquisite piece, while also providing potential savings of up to $19,028, in addition to any savings garnered from making informed choices regarding clarity.
Clearest Color
Best Value
Sometimes Ok
D
E
F
G
H
I
J
< drag left or right >

D color

Cost - $61,355 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 $10,394 - $13,452 with a G or H colored diamond
‹ drag left or right ›

E color

Cost - $57,674 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 $6,713 - $9,771 with a G or H colored diamond
‹ drag left or right ›

F color

Cost - $54,213 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 $3,253 - $6,310 with a G or H colored diamond
‹ drag left or right ›

G color

Cost - $50,960 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 $3,058 with an H colored diamond
‹ drag left or right ›

H color

Cost - $47,903 Total Savings: $3,058 - $13,452 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 - $45,029 Total Savings: $5,932 - $16,326 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 - $42,327 Total Savings: $8,633 - $19,028 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 $43,800 on your 3.5 carat heart shaped diamond ring by opting for lab grown diamonds.

Lab-grown diamonds, which are created in a lab rather than mined from the earth, have the same visual qualities as diamonds found in nature. They are produced in a more environmentally friendly and ethical manner. Additionally, lab-grown diamonds are more readily available and therefore much more affordable. In fact, the cost of a lab-grown diamond can be up to 85% lower than that of a comparable natural diamond.

Having a lab-grown diamond can minimize your financial loss if you ever need to sell your 3.5 carat heart shaped diamond ring.

Choosing the appropriate color grade for a 3.5 carat heart shaped diamond ring can lead to significant cost reductions. Instead of spending a fortune on diamonds graded D-F, consider opting for a diamond within the G-J range. This decision can still result in an exquisite piece, while also providing potential savings of up to $19,028, in addition to any savings garnered from making informed choices regarding clarity.
Explore Lab Grown 

Lesson 5 - Carat / Size

When you're shopping for your diamond ring, the carat should be your main budget consideration.

Why is Carat Important?

Take a moment to consider a diamond ring. The first thing that catches your eye is the size of the sparkling center diamond, isn't it? Well, for women, it's the same thing. They prioritize size above anything else. That's why when it comes to carat weight, which directly affects the size of the diamond, we suggest, "That's where you should allocate your budget!"
Watch us compare sizes and help you visualize what you want. 

When shopping for a heart-shaped diamond ring with a weight of 3.5 carats, choose a ring within this carat range.

We suggest checking out diamonds that range from 3.15 to 3.85 carats. This way, you can explore different prices without a significant jump in size.
Hand Diamond

1 carat

Explore More Diamond Weights

Lesson 6 - Cut

When purchasing your 3.5 carat heart shaped 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 it comes to a stunning 3.5 carat heart shaped diamond ring, the cut plays a vital role. The way the diamond's facets are crafted with precision and perfection can greatly amplify its sparkle and brilliance.

The closely guarded secret within the diamond industry.

You might think that the most expensive diamond is always the one with the perfect cut, known as the 'Ideal' cut. But surprisingly, there are cases where a diamond with a 'Fair' cut can be pricier, even if it has the same carat, color, and clarity. It may sound strange, but diamonds that are poorly cut can appear larger while lacking the sparkle and brilliance you're looking for. A diamond without sparkle is like a kite without a string.

Last but not least, make sure to go for GIA Certified Excellent Cut Diamonds (sometimes referred to 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 sparkle of a diamond can vary based on its shape, and certain shapes can make 3.5 carat heart shaped diamond rings appear more expensive.

What is Diamond Shape?

The diamond shape represents the style of the diamond, such as round, oval, and heart. There are many other shapes to choose from as well. Different shapes can create the illusion of a larger diamond or add more sparkle for a classic and timeless appearance. In this section, you can use our shape tool to explore a variety of 3.5 carat diamond rings with different shapes.

What shape to choose?

It's important to recognize that certain diamond cuts can give off the illusion of a bigger gem, and there are some cuts that are currently in style. Nevertheless, the most important decision is the one that truly speaks to you. If you're unsure about which cut to go for, think about getting a brilliant cut diamond. This includes shapes like Round, Marquise, Princess, Cushion, Oval, Pear, and Radiant. Out of all these options, Round diamonds are the ones that get chosen most frequently, while Oval and Marquise cuts can make a diamond look bigger without increasing the 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 appearance of a heart-shaped diamond ring with a 3.5 carat can vary noticeably depending on the type of band it has.

What is setting?

Often referred to as the band, the setting is the metallic component of a diamond ring. Typically, it is made from gold and comes in various shades such as white, yellow, or rose gold. Another choice available is a platinum band. The setting greatly affects the overall appearance of your 3.5 carat diamond ring in the shape of a heart. It is a space where you can showcase your individual style. We have gathered the three most favored settings below. Regardless of your preference, it is advisable to opt for 14k gold. Continue reading to discover the reasons behind this recommendation.
The setting or band is really important for making your diamond look bigger and better. 

We suggest opting for a 14K gold band for your ring.

Here's a really important tip. Avoid choosing between 18 karat or 24 karat gold for your setting. It's better to go with 14 karat gold instead. Even though 18 karat and 24 karat gold are more pure, they are much softer and prone to bending easily. If the setting of your valuable diamond bends too easily, it greatly raises the risk of the diamond slipping out. Many people have faced this issue before.

Solitaire Choice - A Delicate Band Makes the Diamond Stand Out

Surveys suggest that most women crave a large diamond. To emphasize the visual proportions of a 3.5 carat heart shaped diamond ring, think about a setting with a slim, delicate Solitaire band. The difference between the petite band and the sizable diamond can create a perception of a larger gem. To boost this effect, consider settings that incorporate minor accent diamonds along the band. They bring an ornamental touch without outshining the main diamond.

Halo: Give Your Diamond the Illusion of Size with a Bunch of Smaller Ones

The halo setting provides an additional method to make your 3.5 carat heart shaped diamond ring appear bigger. By surrounding the main diamond with smaller ones, it creates a stunning effect that amplifies the size of the central diamond. For an even more striking illusion, you might consider choosing a double halo setting. This, when combined with a slim band, can make a smaller diamond appear much larger, giving the impression of a more luxurious piece.

Do not overshadow the main diamond.

Many women prefer a diamond that looks big. If the band is too detailed or wide, it may take attention away from the diamond and make it appear smaller. If you want your heart-shaped diamond ring, which is 3.5 carats, to be the main focus, you should select a simpler band that doesn't overpower it. However, if you prioritize the overall design of the ring, a more elaborate band might interest you. Just remember, it could take away from the diamond's standout quality.

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

Creating a personalized piece of jewelry is an extraordinary journey, allowing you to design a unique item that truly reflects your individuality and taste, all while being more affordable compared to retail prices. With renowned companies like Brilliant Earth, James Allen, and Blue Nile, you have the chance to customize every detail of your ring, including the diamond's shape and the style of the band.
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 carefully examined and evaluated every company, ensuring that every "Shop Now" link is programmed to direct you to the best prices for the highest quality diamonds. In summary, it automatically applies our specific preferences on all websites to find the best deals for your needs. Enjoy a diverse selection of choices, custom-made 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. 

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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 heart shaped diamond ring worth?

The average price of a 3.5 carat heart shaped diamond ring is $47,300. However, the price range for such rings can vary significantly, ranging from $17,860 to $209,781.

How big is a 3.5 carat heart shaped diamond ring?

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

A 3.5-carat heart-shaped diamond ring has a unique and romantic appearance when worn on the hand. The heart shape adds a touch of elegance and symbolism to the ring. The diamond itself has a width of approximately X mm, occupying around X% of the finger's width.

What is the price of a 3.5 carat heart shaped diamond ring?

The price of a 3.5 carat heart shaped diamond ring falls within the price range of $17,860-$209,781.

Is a 3.5 carat heart shaped diamond ring good enough?

Yes, a 3.5 carat heart shaped diamond ring can be considered good enough, especially if it has been well-cut, exhibits excellent clarity, and has been expertly crafted into its ring and setting.

Is a 3.5 carat heart shaped diamond ring big?

Yes, a 3.5 carat heart shaped 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. The heart shape adds to its visual impact, making it even more eye-catching. While it is above average, it is not uncommon or difficult to wear a ring of this size.

What does a 3.5 carat heart shaped diamond ring weigh?

A 3.5 carat heart shaped diamond ring weighs 0.7 grams.

Should I get a 3.5 carat heart shaped diamond ring?

A 3.5 carat heart shaped diamond ring can be a great choice if you prefer a larger size and a unique shape that symbolizes love and romance.

Is a 3.5 carat heart shaped diamond ring too big?

A 3.5 carat heart shaped diamond ring is considered quite large. The carat weight refers to the size of the diamond, and 3.5 carats is considered a significant size. The heart shape adds to the overall visual impact of the ring. However, whether it is considered "too big" is subjective and depends on personal preferences and style.

Is a 3.5 carat heart shaped diamond ring small?

No, a 3.5 carat heart shaped diamond ring is not small. The carat weight refers to the size of the diamond, and 3.5 carats is considered a significant size. Additionally, the heart shape of the diamond can make it appear larger and more prominent on the finger.
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