You save $318.75 at JCPenney
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A 14K gold over silver chain necklace: a sterling silver chain finished with a layer of 14K yellow gold, the standard way to get a gold look at a fraction of solid gold cost. The plating gives it a warm gold tone while the silver core keeps the price and weight down. At $56.25 at JCPenney as of November 6, 2026, it sits at the low end of what gold-over-silver chains cost, with only one store pricing it new.