14 Best Layered Charm-and-pearl Necklaces Influencers Swear By
Flooring as Art: The Unexpected Muse for Layered Charm-and-Pearl Necklaces
Have you ever walked into a space and felt instantly captivated—not just by the furniture but by the floor beneath your feet? I find myself mesmerized by intricate parquet patterns, glossy marble swirls, and color-blocked tiles. It’s true—flooring is art. Its textures, tones, and layers tell a story, shaping the room’s mood and inspiring everything from interior design to fashion. Lately, I’ve noticed top YouTubers like “Jewelry With Jenn” and “The Accessory Edit” referencing flooring designs when curating their jewelry looks, especially layered charm-and-pearl necklaces. This crossover is genius: imagine the way a patterned floor pulls together a room, then think of how a well-layered necklace completes an outfit.
Layered necklaces are more than a trend—they’re the perfect blend of structure and creativity, much like the floors we admire. The best influencers know how to mix charm, pearls, and chains for an effortlessly chic look. Ready to discover the 14 best layered charm-and-pearl necklaces that YouTube’s jewelry pros actually wear? I’ve tested, styled, and obsessed over each one—so let’s dive in!
1. Missoma Lucy Williams Chunky Chain & Pearl Necklace
Recommended by: Lucy Williams (Fashion YouTuber)
Missoma is always at the top of my list when I want something that feels substantial yet feminine. This necklace features chunky gold-plated links paired with off-white freshwater pearls. The contrast is eye-catching—the chain’s boldness against the soft luster of pearls is just stunning. At 18 inches, it sits perfectly above a V-neck or layered over a turtleneck.
What I love most: Each pearl is unique in shape, giving it that bespoke feel. The gold is warm-toned—think honey-not-brassy—and never looks cheap. Lucy Williams says it’s her “go-to for elevating basics,” and I totally get why.
Materials: 18ct gold vermeil, freshwater pearls
Dimensions: 18” length
Colors: Gold/White
2. Mejuri Pearl Charm Layer Necklace
Recommended by: The Anna Edit (Lifestyle Channel)
Mejuri nails the minimalist vibe but keeps things playful with dainty charms and tiny pearls spaced along a fine gold chain. This necklace is light as air but visually striking—especially when it catches the light. I wore mine layered with a thicker chain for brunch last weekend and got endless compliments!
It’s adjustable (16-18 inches), so you can style it high or low depending on your outfit. The little charms (stars, moons) add a whimsical touch without feeling juvenile.
Materials: 14k solid gold, cultured pearls
Dimensions: Adjustable 16-18”
Colors: Gold/White
3. Anthropologie Lera Pearl Charm Layered Necklace
Recommended by: Fashion Mumblr (YouTube Channel)
Anthropologie never disappoints when I want something bohemian yet totally polished. This piece combines two layers—one with clusters of pearls, the other with delicate gold charms. The layering is pre-done for you, which is a lifesaver if you’re not sure how to mix lengths.
The pearls are slightly irregular, which gives them a vintage feel. I like pairing this with flowy tops—think linen or silk for that effortless vibe.
Materials: Brass, faux pearls
Dimensions: 14” + 2” extender
Colors: Gold/White
4. BaubleBar Mini Emma Pearl Charm Necklace
Recommended by: Wear I Live (YouTube Channel)
If you’re looking for playful and colorful, BaubleBar’s Mini Emma necklace is my top pick. It features gold-plated links and tiny pastel enamel charms interspersed with pearls. The color palette reminds me of terrazzo flooring—soft pinks, greens, blues—which makes it perfect for spring and summer.
I wore this on vacation and loved how it dressed up even the simplest sundress. It’s also super lightweight—I forgot I was wearing it!
Materials: Gold-plated brass, enamel, faux pearls
Dimensions: 15” + 3” extender
Colors: Multi/Gold/White
5. Kendra Scott Davis Multi Strand Necklace
Recommended by: Shea Whitney (Style YouTuber)
Kendra Scott specializes in statement pieces that still feel wearable every day, and this multi-strand necklace is no exception. The strands include pearls, charms (like hearts and stars), and mixed metals for added dimension.
I reach for this when I want something that looks intentionally styled but not overdone. It’s versatile enough for work or weekend.
Materials: Rhodium-plated brass, glass pearls
Dimensions: 16”, 18”, and 20” strands
Colors: Silver/Gold/White
6. Gorjana Parker Charm & Pearl Necklace Set
Recommended by: Alyssa Beltempo (YouTube Channel)
Gorjana’s Parker set includes two separate necklaces—a chunky chain with a coin charm and a pearl strand—made to be worn together or apart. I love mixing them depending on my mood or neckline.
The chain is brushed gold, which feels soft and matte (not shiny), while the pearls are glossy and perfectly round. It feels very current but not trendy—in other words, you’ll wear it for years.
Materials: Gold-plated brass, freshwater pearls
Dimensions: Chains 18” + 16”
Colors: Gold/White
7. Swarovski Angelic Charm Layered Necklace
Recommended by: Amelia Liana (Jewelry YouTuber)
If you want sparkle plus pearls, Swarovski delivers in spades. Their Angelic necklace features clear crystals paired with lustrous faux pearls on dual layers of silver-tone chain.
I wore this to a wedding recently—it caught every bit of light in the room! The chain sits beautifully at the collarbone and doesn’t tangle easily.
Materials: Rhodium-plated metal, crystals, faux pearls
Dimensions: 14” + 16” layers
Colors: Silver/Clear/White
8. Pandora Rose Pearl Charm Necklace
Recommended by: Lydia Elise Millen (Luxury Lifestyle Channel)
Pandora’s rose gold finish is unique—it’s warm without being coppery—and their take on charm-and-pearl layering combines heart-shaped charms with creamy white pearls on a delicate rose gold chain.
This is my pick for romantic dates or layering with blush-toned outfits. It looks expensive but is actually quite reasonable compared to fine jewelry.
Materials: Rose gold-plated silver, faux pearls
Dimensions: Adjustable up to 18”
Colors: Rose Gold/White
9. Adina Eden Pearl Initial Charm Necklace
Recommended by: Jackie Wyers (Beauty YouTuber)
Personalization is everywhere right now, and Adina Eden’s initial charm necklace lets you wear your own letter alongside tiny freshwater pearls on a slim chain. It feels custom-made.
I’ve gifted this to friends—it’s universally loved and easy to layer with other necklaces. The chain has a subtle shimmer that catches sunlight beautifully.
Materials: Gold-plated sterling silver, freshwater pearls
Dimensions: 16” + 2” extender
Colors: Gold/White
10. Madewell Pearl & Charm Layering Set
Recommended by: HeyClaire (Style Vlogger)
Madewell offers a ready-to-layer set: three separate necklaces (one chain link, one pearl strand, one charm) designed to mix and match. None are too chunky or too delicate—they’re just right for daily wear.
I layer these under button-downs or sweaters for a casual-cool vibe. The faux pearls have a nice weight to them—not plastic-y at all—and the charms are simple enough to work with any outfit.
Materials: Gold-plated recycled brass, glass pearls
Dimensions: 15”, 16”, 18”
Colors: Gold/White
11. Luv Aj Pave Pearl Charm Choker
Recommended by: Tara Michelle (Fashion YouTuber)
For those who love an edgy twist, Luv Aj’s choker mixes pave-set crystals with large baroque pearls and chunky chain links. It’s bold but surprisingly wearable—the key is the balance between sparkle and pearl texture.
I style this with leather jackets or graphic tees when I want something unexpected but still feminine.
Materials: Brass base plated in gold, Cubic zirconia stones, freshwater pearls
Dimensions: Adjustable choker length (12-15”)
Colors: Gold/Clear/White
12. Etsy Handmade Layered Pearl & Charm Necklace (By Marigold Designs Studio)
Recommended by: BestDressed (Ashley)
There’s something special about handmade jewelry—the quality, the uniqueness, the story behind each piece. Marigold Designs Studio on Etsy crafts gorgeous layered necklaces using real freshwater pearls and miniature charm pendants customized to your choice (think flowers, initials).
Each necklace is made-to-order so you can pick your length and charms—making it perfect if you want something truly personal. The pearls are slightly oval-shaped; they look organic rather than mass-produced.
Materials: Sterling silver or gold fill, freshwater pearls
Dimensions: Customizable from 14-20”
Colors: Silver/Gold/White
13. Kate Spade New York Pearl & Charm Multi-Strand Necklace
Recommended by: Teni Panosian (Beauty YouTuber)
Kate Spade New York always brings playful sophistication to accessories. Their multi-strand necklace combines faux pearls with enamel flower charms on layered gold chains—each strand different but harmonious together.
I wore this to a garden party and it was the star of my outfit! The pops of color from the flowers make it easy to pair with both prints and solids.
Materials: Gold-plated metal, glass pearls, enamel charms
Dimensions: Three strands: 16”, 18”, 20”
Colors: Gold/White/Multi
14. Aureum Collective Pearl Heart Charm Necklace
Recommended by: Sissy Chacon (Jewelry YouTuber)
Aureum Collective’s Pearl Heart Charm Necklace blends classic elegance with modern flair: thick gold curb chain meets oversized heart charm surrounded by natural freshwater pearls. It feels substantial—the kind of piece that draws compliments all day.
I love wearing this with structured blazers or silky camisoles—the contrast of soft pearl against bold chain mirrors high-fashion editorials but still feels totally wearable.
Materials: Gold-plated brass, freshwater pearls
Dimensions: 18” length
Colors: Gold/White
What to Look For When Choosing Layered Charm-and-Pearl Necklaces
1. Materials Matter
Choose real or high-quality faux pearls for lasting shine—cultured freshwater pearls look authentic and age beautifully. Opt for gold vermeil or sterling silver bases if you have sensitive skin; they resist tarnishing longer than brass or plated metals.
2. Layering Lengths
Mix different lengths for depth: chokers sit at the neck base; princess lengths (17-19”) flatter most collars; longer chains add drama over sweaters or dresses.
3. Charm Selection
Pick charms that reflect your style—initials for personalization; hearts or stars for romance; flowers or coins for boho flair. Avoid overcrowding: two or three charms per layer look balanced without feeling busy.
4. Versatility Counts
Necklaces that come as sets or feature detachable layers offer more styling options—you can wear one strand solo or stack them all for impact.
5. Weight & Comfort
Heavier chains look luxe but can feel bulky—try them on before buying if possible! Lightweight pieces are ideal for everyday wear; multi-strand designs should never feel tangled or restrictive.
FAQ: Your Layered Charm-and-Pearl Necklace Questions Answered
Q: How do I layer necklaces without tangling?
Start with different lengths—shortest at the base of your neck—and avoid identical chains side by side. Mix textures (chains vs strands) for movement; use necklace extenders if needed!
Q: Are faux pearls as good as real ones?
Faux pearls can look beautiful—and are often more affordable—but real freshwater or cultured pearls offer unique shapes and deeper luster that last longer over time.
Q: Can I wear layered necklaces every day?
Absolutely! Just choose durable materials like gold vermeil or sterling silver so they withstand daily wear. Avoid swimming or showering in them to keep them pristine.
Q: How do I clean charm-and-pearl necklaces?
Wipe gently with a soft cloth after each wear; avoid harsh chemicals (including perfume). For real pearls, store flat in a fabric-lined box to prevent scratching.
Q: What outfits pair best with layered charm-and-pearl necklaces?
They’re incredibly versatile! Try them with button-down shirts, turtlenecks, sundresses—even sweatshirts for a casual-cool look. Let your necklace be the focal point—keep other accessories minimal.
Practical Buying Advice: My Criteria for Selection
Whenever I shop for layered charm-and-pearl necklaces, I ask myself:
- Is the quality visible up close? (No cloudy pearls or flaking metal)
- Does it feel comfortable after hours of wear?
- Can I mix it with pieces I already own?
- Will it transition from casual brunches to evening events?
- Is it recommended by influencers who actually wear their jewelry—not just promote it?
Every necklace on this list ticks all those boxes—and has survived my own style tests!
Final Thoughts: Style Meets Story
Layered charm-and-pearl necklaces are like wearable art—inspired by everything from patterned floors to painterly palettes and thoughtful design details. They’re more than accessories; they’re conversation starters and confidence boosters rolled into one elegant package.
If you’re ready to update your jewelry game with pieces recommended by women who know their stuff—and have huge followings because of it—these 14 picks deliver both style and substance. Whether you’re drawn to chunky chains or dainty details, classic elegance or modern edge, there’s something here to spark your next favorite look.
Happy layering!