3 Coolest Layered Necklace Ideas for Summer 2025 – CULT OF SUN
GET ON THE LIST: 10% off your first order + free shipping for orders over 85$

Summer is just around the corner. As someone who lives for the warmer months, I’m counting the days to finally being able to break my summer closet back out. Once the new summer clothes and accessories hit the department stores, it’s easy to want to go and buy a whole new closet - especially if you’re going on vacation! If you’re like me, one of your 2025 resolutions might be to become more sustainable. That’s why I love the layered necklace trend for summer, it instantly freshens up every outfit i throw on!

Mastering the art of a layered necklace set can make your favorite closet essentials feel fresh again. A layered gold necklace set – with cascading gold chains – makes every outfit look effortlessly chic. Whether you’re lounging by the pool in a crochet dress or grabbing cocktails with your girlfriends, layering necklaces is the ultimate styling trick for summer. I’m sharing three of my go-to ways for layering necklaces, featuring my Cult of Sun staples.

Missmatching Pearls with Beachy Shells

Nothing screams summer more than pearls and shells. If you’re a fellow beach babe, you’re probably already planning your poolside outfit. The Karma Necklace Set is an essential part of my summer wardrobe, creating a look styled around a dainty pearl and shell necklace with a gold layered necklace.

The gold coin acts as an anchor for your layered necklace set, adding an ethereal look to the pearls and shells. I love to take the look from day to night by adding gold pearl earrings for an elegant twist.

a girl at the pool wearing a layered necklace set
layered necklace set with gold chains, freshwater pearls, and a shell necklace

Chunky Gold Chains and Baroque Pearls

Summer is the season when most of us pair back our style and embrace minimalism. If you’re a jewelry girl at heart, you don’t need to abandon your signature chunky gold chains. The layered necklace trend is the quickest way to elevate a casual outfit, from a classic white sweater and jeans to a chic tank top and shorts. 

Make the Lovina Necklace Set your plus-one for summer.  The freshwater pearls give a feminine upgrade to modern chunky gold chains. This is one of the coolest ways to style a pearl necklace and lowers the ‘cost per wear’ of your jewelry.

layered necklace set with pearls and gold chains

Lovina Necklace Set

white sweater with a layered gold and pearl necklace set

Lovina Necklace Set

model wearing a white tank top with a layered necklace set

Lovina Necklace Set

model wearing a white long sleeve and a mix of chunky chains & pearl layered necklaces

Lovina Necklace Set

Statement Black Onyx Pendant and Gold Chains

Black and gold are a match made in heaven. They’re two of my favorite colors to play with when layering necklaces as they elevate an outfit without overwhelming it. I also love this layered necklace set as it’s the perfect pairing for a dark chocolate lipstick – which I’m claiming as the ‘it girl’ lip color of 2025 – and a pair of pumps.

The Bukit Necklace Set takes a minimalistic two-piece outfit and gives it a subtle edge. These layered necklaces also make your summer tan glow and look great with chunky gold rings.

Bukit Necklace Set

Get in the summer spirit by experimenting with the layered necklace trend. It’s one of the easiest ways to style a freshwater pearl necklace and a sustainable way to transition your style for summer without splurging on a new closet. Find your perfect layered necklace set and make it your signature for summer 2025.

Want to learn more about the latest jewelry trends and styling? Check out these posts:

How to style gold hoop earrings

5 biggest pearl necklace trends in 2025

Jewelry gifts for her under $100: a roundup

cult of sun instagram 


Leave a comment

×