Fine jewelry is characterized by precious metals, genuine gemstones, superior craftsmanship, and timeless design. Gold, platinum, silver, and gemstones are commonly used materials. Fine jewelry has investment and sentimental value, versatility, and can be customized.

Commercial jewelry, often referred to as fashion or costume jewelry, is designed to be affordable and trendy, making it accessible to a wide audience. Unlike fine jewelry, commercial jewelry prioritizes style and affordability over the use of precious materials and meticulous craftsmanship.