Charm Necklaces Are My Favorite Hack for Finding Your Personal Style—Shop These 15 Trendy Picks
This is the secret to a jewelry stack that never feels stale.
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Cutesy bag charms may be getting lots of attention this summer, but you don't need a Labubu to stay on top of the latest accessory trends. Like so many beloved fads from my childhood (tankinis, jelly sandals, I could go on and on...), Y2k styles are having a major resurgence this season. My personal favorite nostalgic trend that's taking over the season? Charm necklaces.
Charm necklaces are basically a cheat code for giving your outfits more personality. Hear me out: On days when it's too hot to even think about wearing something other than a basic tank top, just pop on a strand of charms to spice up your look. And since you can find just about anything on a charm necklace these days (Seashells! Horses! Pizza!), it's a fun way to show off your hobbies and interests.
Shop my favorite charm necklaces:
The best charm necklaces of the moment run the gamut from simple chains that you can personalize yourself to ornate layered strands pre-adorned with beads and baubles. Plus, I spotted styles that marry the season's most viral trends, like nautical fish charms for sardine girl summer and mixed metal pieces.
Want a low-stakes way to try out the charm necklace trend? This pick from Pavoi is a steal at under $20, and it comes with three interchangeable charms to kick off your collection. It's available in your choice of yellow or white gold plating, so rest assured it won't clash with your current stack.
This one's for the maximalist at heart. Featuring two layered strands that are jam-packed with all kinds of vintage-inspired charms, this bold necklace is a major moment—whether you pair it with a flirty sundress or pare it back with a plain white tee. It comes in five different variations, but I'm partial to this silver-toned pick with colorful porcelain beads.
Mixed metal jewelry is one of my favorite trends to emerge in 2025, since you can wear it with literally anything. This silver and gold necklace from Ana Luisa features puffy heart and flower charms, lending a playful vibe to any outfit. My advice? Lean into its two-toned design by layering it with silver and gold chains.
Your jewelry stack isn't complete without a Y2k-esque pop of color, a la this charm necklace from BaubleBar. It's available in five different semi-precious stones like this deep blue lapis, and comes with three charms that you can pick out from BaubleBar's extensive selection. Customize it with your initials, lucky number, zodiac sign...whatever your little heart desires.
When it comes to variety, you can't get much better than Rellery—after all, it was named our favorite affordable jewelry destination for charms. Start with a chain, like this darling heart-shaped pick, and add your favorite charms from Rellery's massive selection. I'm talking everything from classic initials and birthstones to pizza slices and peas in a pod (a personal favorite).
Wondering why tin fish seem to be everywhere this summer? Honestly, same. But since TikTok says it's a sardine girl summer, check out this cluster-style necklace from Madewell. It features three petite charms on a simple gold-toned chain. Wear it solo to make a subtle statement, or try layering it with a chunky choker.
Yep, even your fave designers are getting in on the look. This Marc Jacobs pick is an ode to fashion girlies, decorated with high-heeled platform pumps and mini versions of the brand's iconic bags. It's available in both silver and gold finishes, with an adjustable chain to boot.
Keep it coastal with this nautical-themed charm necklace that's adorned with starfish, seashells, and bunches of beads. Its multi-strand design gives the illusion of three different necklaces in one, so you can rock the layered look without fussing with a bunch of clasps. Aquamarine who?
If your vibe for summer 2025 is flowing maxi skirts, farmer's market totes, and boho silver baubles, then this is the charm necklace for you. Its eclectic mix of beads makes it look like it was plucked straight from a vintage flea market, but don't worry—it'll be our little secret that you bought it online.
This nostalgic necklace reminds of something I would’ve made at summer camp back in the early 2000s, except way more chic and sophisticated. The chunky beads are a great way to add a playful element to your jewelry stack—especially since it's available in seven different color variations, like this blue and green combo with mini shell and fish charms.
Between Bella Hadid's horse girl era and Beyoncé's Cowboy Carter tour, it's clear that Western-inspired fashion isn't going anywhere. This delicate necklace comes complete with cowboy boot, Texas longhorn, and genuine turquoise charms to help you channel your inner cowgirl (even if you've never stepped foot on a ranch).
This sculptural interpretation of a charm necklace is the ultimate cool girl accessory. It features a single glass drop charm in your choice of four colors, dangling from a looped bar chain. I love that it can be worn with or without its included charm, making it a sculptural addition to your jewelry collection.
Our editors adore Astrid & Miyu's array of timeless, tarnish-resistant jewelry that's perfect for gifting, and its new charm collection is the ultimate example. Start with a silver or gold-plated chain, and add up to 15 clip-on charms—the brand's online charm visualizer makes it easier to picture your finished project. Just note that charms are sold separately.
Hey, sometimes you don't want to feel like you're wearing an arts and crafts project around your neck. This subdued take on a charm necklace is perfect for a more pared back aesthetic, and the puffy heart pendant adds just a dash of whimsy. Hint: its paperclip chain looks stunning with structured pieces like blazers.
Maybe it's my June birthday bias, but I'm a sucker for a good strand of pearls. This pretty piece already makes a statement with its row of freshwater pearls, but you can attach your favorite charms for a custom look. Emphasize its beachy vibe with a seashell charm, or add a personal touch with this cursive initial.
Lauren Gruber is an associate commerce editor at Hearst Magazines, where she writes for publications like Good Housekeeping, Cosmopolitan, Prevention, Country Living, House Beautiful, and more. She has over four years of professional experience covering a variety of lifestyle topics from home to fashion, with an advanced background in beauty and fragrance. When she’s not researching the most worthy Prime Day deals or hands-on testing all the latest perfume launches, Lauren is probably hanging out with her cat Serafina or flexing her AMC A-List membership at the movie theater.
You can find her previous work at Entertainment Tonight, Shop TODAY, USA Today, Self Magazine, L’Officiel USA, V Magazine, and Modern Luxury Media.
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