What To Wear With Pearl Earrings & Necklaces

Explore NAJO’s ultimate jewellery style guide: master pairing, embrace timeless elegance, and find your unique style.

In the annals of history, few treasures tell as rich a story as pearls. Their luminous simplicity has been celebrated for centuries, seamlessly transcending time and civilisations. With their uncluttered elegance, pearls have adorned the necks of monarchs, the wrists of celebrities, and the ears of brides with a refined charm that speaks volumes.

Yet, it's not just their opulence that captures our imagination, but the tales they whisper – of deep oceans, patient oysters, and nature's serendipity. Today, as we find ourselves amidst a revival of pearl jewellery, it's not about fleeting trends, but rather a confident re-embrace of an everlasting icon. If you’ve wondered what to wear with a pearl earring or necklace, let's embark on this journey, exploring how to harmoniously weave pearls into the modern tapestry of fashion.

Understanding Different Types of Pearl Jewellery

The world of pearls is vast and varied, a testament to nature's artistry and human ingenuity. But before we dive into the myriad ways to style these gems, it's essential to grasp the core distinctions and types available to the discerning jewellery aficionado.

 Natural vs. Cultured Pearls:

Cultured Pearls

Modern pearl jewellery predominantly showcases cultured pearls. While they too start with an irritant inside an oyster or mollusk, the process is initiated and monitored by pearl farmers. This intervention ensures more consistent shapes and sizes, making them a more accessible luxury for many.

Natural Pearls

Eliciting images of divers plunging into deep seas, natural pearls are rare gems created without any human intervention. Formed when an irritant, like a grain of sand, accidentally enters an oyster, the oyster responds by layering nacre around the intruder. This organic process can take years, producing pearls that are highly sought-after, primarily due to their rarity and the romance of their creation.

The Classic White Pearl Look

The allure of the white pearl is timeless. Its iridescence, purity, and simplicity have fascinated cultures across the globe, proving that some classics never fade. The beauty of the white pearl lies in its adaptability, its grace, and its ability to elevate any attire it adorns.

White Pearl's Universal Appeal

The white pearl is a testament to universality in the realm of jewellery. Its serene luminescence captivates and reflects light in a way that complements every skin tone. While other gems often come with cultural or age-specific associations, the white pearl breaks these bounds. From teenagers receiving their first set of pearl studs to grandmothers passing down heirloom pearl necklaces, this gemstone's appeal knows no boundaries, making it a cherished favourite across generations.

Matching with Monochrome Outfits

The monochrome palette, whether in shades of white, black, or grey, creates a canvas that allows white pearls to shine. A string of pearls against a crisp white blouse exudes an air of sophisticated purity. On the other hand, when paired with a stark black dress, the pearls stand out, providing a contrast that is both striking and elegant. The simplicity of monochrome attire ensures that the pearls remain the focal point, letting their radiance take centre stage.

 Types of Pearls

Freshwater Pearls

Sourced primarily from lakes and rivers, freshwater pearls can range from nearly round to oval or even more irregular shapes. Their wide range of colours, sizes, and affordable prices make them a popular choice.

Akoya Pearls

Originating from Japan and China, Akoya pearls are known for their perfect round shapes and incredible lustre. Often considered the classic pearl, they radiate a refined elegance.

South Sea Pearls

Hailing from the waters of Australia, Indonesia, and the Philippines, South Sea pearls are the largest and often the most expensive. Their creamy, golden hue is a distinctive feature that sets them apart.

Tahitian Pearls

Unlike any other, Tahitian pearls are cultivated in French Polynesia and are famed for their natural dark colours. From graphite grey to shimmering peacock, their vibrant tones exude an exotic charm.

Various Forms


A classic strand of pearls around the neck can make a simple yet profound statement. From princess length to opera, the variations cater to different styles and occasions.


Pearl bracelets, whether a single strand or multi-layered, add a touch of sophistication to any wrist.


From timeless studs to contemporary danglers, pearl earrings are the epitome of understated elegance.


Often set with diamonds or other precious gems, pearl rings make for cherished gifts and symbolise moments of significance.

As we navigate the realms of pearl jewellery, understanding these nuances empowers us to make informed choices, ensuring that every piece we choose resonates with our personal style and the stories we wish to tell.

Enhancing Formal Wear

In the ever-evolving world of fashion, where trends come and go, the classic white pearl look stands unwavering, affirming that true elegance is indeed timeless.

Evening Gowns

The grandeur of evening gowns demands accessories that match their elegance. Here, white pearls work their magic. Whether it's a choker with a low-neck gown or a long strand of pearls with a high-neck dress, they enhance the outfit's elegance, making the wearer the epitome of grace.

Business Suits

In the corporate world, first impressions matter. A well-tailored business suit paired with a subtle pearl necklace or stud earrings can convey confidence and professionalism. White pearls, with their unimposing brilliance, add a touch of sophistication without overshadowing the wearer's competence.

Cocktail Dresses

Cocktail events, often a blend of formal and playful, require accessories that strike the right balance. White pearl drop earrings or a dainty bracelet can be the perfect accompaniments, adding a touch of refinement to a chic cocktail dress.

Styling Pearls for a Casual Day Out

Even in the laid-back moments of our lives, pearls have a place, effortlessly bridging the gap between casual comfort and understated luxury. Here are some ideas for your next pearl earrings outfit. 

Complementing Summer Dresses and Skirts

Flowing dresses and skirts resonate with breezy summer days. Adding pearls to this mix amplifies the femininity of the outfit. Think of a long strand of pearls with a maxi dress or a pearl bracelet complementing a flirty summer skirt.

Blending Pearls with Casual Tops and T-Shirts

Who said t-shirts can't be chic? Pair a graphic tee with a pearl choker or layer pearl bracelets with a casual long-sleeved top for a look that's both relaxed and refined.

Pairing with Denim

The rugged texture of jeans juxtaposed with the smooth luminescence of pearls creates a compelling contrast. A pearl necklace paired with a denim jacket or simple pearl studs with ripped jeans can elevate the entire ensemble, adding a touch of unexpected sophistication.

Mismatched Pearls and Their Charm

Embracing imperfection can sometimes lead to the most captivating styles.

Benefits of Mixing Pearl Sizes and Colours

By experimenting with different sizes and shades, one can craft a look that's truly unique. Mixing white, black, and grey pearls, for example, can create a dynamic visual appeal, ensuring your jewellery becomes a conversation starter.

Teaming with Eclectic and Bohemian Outfits

Boho-chic outfits, with their mix of patterns and textures, welcome the charm of mismatched pearls. Layered pearl necklaces of varying lengths or combining round with baroque pearls can enhance the free-spirited vibe of bohemian attire.

Pairing with Mixed Metal Jewellery

The combination of pearls with gold, silver, or rose gold jewellery pieces creates a contemporary, avant-garde look. This fusion speaks to both tradition and modernity, perfect for the fashion-forward individual.

Incorporating Pearls in the Workplace

Even within the structured environment of the office, pearls find their niche.

Subtle Pearl Pieces

For those who prefer understated accessories, small pearl studs or a single strand bracelet can add a touch of sophistication without being overpowering.

Adding Elegance to Your Professional Attire

A fitted blazer or pencil skirt paired with a delicate pearl necklace can instantly uplift your work outfit, making it both authoritative and elegant.

Statement Pearls

For days when you need that extra boost of confidence, large pearl necklaces or bold pearl rings can be your allies, ensuring you command attention during pivotal presentations or meetings.

 Evening Elegance with Pearls

Pearls, with their natural lustre, resonate with the allure of the night.

Elevating Cocktail Dresses and Ball Gowns

A sophisticated ball gown paired with a South Sea pearl necklace or a cocktail dress complemented by Tahitian pearl earrings can make you the star of any evening event.

Choosing the Right Pearl Size and Length

For formal events, consider longer strands or larger pearls to make a statement. Conversely, for intimate gatherings, opt for smaller pearls or chokers that add a touch of grace.

Pairing Pearls with Other Gemstones

Combining pearls with diamonds, sapphires, or emeralds creates a dazzling effect, perfect for those glitzy evenings out.


What are the perfect earrings to wear with a pearl necklace?

Choosing the right earrings to compliment a pearl necklace hinges on balance and harmony. For classic pearl strands, timeless pearl studs or subtle drop earrings are ideal, ensuring a cohesive and elegant appearance. If your necklace is more of a statement piece, opt for understated gold or silver studs, allowing the necklace to shine. Conversely, necklaces with mixed elements, such as gold or gemstone accents, pair beautifully with earrings that echo those secondary components.

When venturing into a modern look with baroque or uniquely-shaped pearls, geometric studs or hoops add a contemporary flair. Always consider the occasion and your outfit's neckline; for instance, V-necks can handle bolder earrings, while high-necks call for subtler choices. Remember, the objective is a harmonious blend where both the earrings and necklace enhance, rather than overshadow, each other.

How do you wear pearl earrings? 

Knowing how to wear pearl earrings can elevate any ensemble, whether casual or formal. Pearl earrings, with their timeless charm, can be the focal point of any outfit or a subtle addition to complete a look. For a classic approach, pair them with an elegant evening gown or business attire; the simplicity of pearl studs or drops perfectly complements these outfits, ensuring sophistication. However, for a modern twist on a pearl earring outfit, try matching them with distressed jeans and a simple tee, letting the pearls add a touch of refinement to a relaxed look.

The versatility of pearl earrings means they can be the star of the show or play a supporting role in your ensemble. Remember, the key is to ensure the earrings fit the mood and style of your attire, be it traditional or contemporary. So, when pondering how to wear pearl earrings, think of them as a tool in your style arsenal, ready to elevate any outfit with their luminous grace.

Throughout history, pearls have woven tales of elegance, sophistication, and timeless beauty. In the ever-evolving world of fashion, they remain an enduring symbol of grace and style.

For those looking to embrace the charm of pearls in contemporary designs, NAJO offers a mesmerising pearl jewellery collection that seamlessly blends tradition with modernity. Each piece is a testament to craftsmanship, design, and the inherent allure of pearls.

So, as you embark on your own journey of style and self-expression, consider letting the luminous creations from NAJO guide your way.