| Rewards | Vault Rewards — cardholders enrolled in Vault Rewards earn 1 Gem per $1 spent at Zales and can unlock additional member benefits. |
|---|---|
| Signup Bonus | Welcome offer for new cardholders; the exact offer varies and is provided in the welcome kit. Zales currently requires a valid email address and U.S. mailing address, plus a minimum purchase to redeem |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | Not applicable |
| Cash Advance Fee | Not applicable |
| Late Payment Fee | $30, or $41 if a late fee was charged during the previous six billing cycles |
| Purchases APR | 35.99% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Zales Credit Card is a $0-annual-fee store card best known for special financing on larger jewelry purchases and rewards through the Zales/Vault program. Promotional financing can be useful, but some offers use deferred interest, making the terms important to understand.
Most users say the card is convenient when they want to finance a major Zales purchase. Many reviewers also appreciate the promotional financing and store-specific rewards, particularly when they pay the balance off before the promotional period ends.
The biggest complaints involve customer service, billing, and promotional financing. Recent reviewers have reported difficulties with payment posting, account management, and understanding deferred-interest charges. Some customers also describe frustrating experiences dealing with Comenity.
Personally, I think the card can make sense for a planned Zales purchase if you have a clear payoff strategy and carefully read the financing terms. I wouldn’t use it as an everyday card, especially if you might carry a balance at its high regular APR.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
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scary high interest if you don't pay on time
I used my Zales card to buy a ring, but the APR is insanely high if you don't pay off the balance. The financing captions are tempting, but risky.
