The Zales Credit Card: Is There a Better Option?

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When that special occasion rolls around, like a wedding or an engagement, and you need an exceptional gift, like a diamond ring or new earrings, you can’t go wrong with Zales Jewelers. And if you’ve ever been to the store, you probably know that they have their own store credit card.

Zales Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
29.99% Variable±
Annual Fee
$0
Bonuses & Rewards
  • Free standard shipping
  • $50 off on your birthday
  • 10% off any repair service
  • 6 to 36 month special financing
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You may be tempted to apply in-store for their credit card, particularly if you want to spread out the cost of your purchase. Let’s take a look at the benefits that come with the Zales card issued by Comenity Bank and find out if it’s worth filling out the application.

What You Get With the Zales Credit Card From Comenity Bank

The Zales card may seem like a great idea when you’re looking for a way to pay for jewelry, but we need to take a closer look at the card benefits to see if it’s worth getting.

Here’s a rundown of the benefits that come with the card:

  • $50 off on your birthday
  • Exclusive cardholder coupons, email reminders for jewelry inspections and cleaning
  • Free standard shipping
  • 10% off any repair service when using your Zales credit card
  • Promotional financing
  • Zero down payments with promotional plans

what you get with zales credit card
Let’s break down the value of the benefits offered with the Zales credit card.

$50 Birthday Discount

First, getting a $50 discount on your birthday is great, but if you go to the Zales website today, you can receive a $50 discount offer by simply signing up to receive promotional emails.

Exclusive Coupons and Discounts

As far as email reminders and exclusive cardholder coupons go, it’s difficult to put a value on these offers. Email reminders for inspection and cleaning add minimal value.

Exclusive cardholder coupons could have value, but special offers abound at Zales and are frequently offered to the public in their promotional flyers and on their website. For instance, there is currently a sale featured on their website offering 30 percent off of every purchase and sapphire earrings that are normally $99 on special for $19.99.

Getting 10 percent off on repairs has minimal value. How many jewelry repairs do you have in a year? If you have one $50 repair that’s a saving of $5.

Free Shipping

Free shipping is also a positive, but not a big benefit as you’re more likely to purchase an item in store so you can see it in person. Also, their website runs frequent promotions, such as today’s free shipping offer on purchases of $49 or more.

$0 Down

Not having to make a down payment when you purchase an item could be useful. However, there is a service charge of $9.99 for each purchase transaction when you use one of the Zales credit card payment plans for 12 or 18 months, so it would be prudent to have a down payment to at least offset the fee.

One Benefit You Might Use: Zales Payment Plan

If you’re purchasing something expensive from Zales Jewelers, like an engagement ring or even a diamond wedding ring, you’d probably like to spread out the repayment over time. In that case, you may find it worth filling out an application for the card just to get the Everyday Promotional Plans.

The Zales Everyday Promotional Plans allow you to spread repayment over a 6-, 12- or 18-month period with no interest, and over 36 months with a 9.99% APR.

Caution! Interest will be charged to your account from the purchase date if you do not pay the balance off before the promotional deferred interest period expires or if you make a late payment. Since the current APR for the credit card is 29.99%, not paying off the balance in time or making a late payment could be a costly proposition.

Alternatives to the Zales Card for Fair to Excellent Credit

With a decent credit history, there’s no need to select the Zales credit card with its mediocre benefits. You would certainly fare better securing a card that offers a 0% APR period for purchases and earns rewards for every purchase.

Blue Cash Everyday® Card from American Express

INTRO APR on Purchases
0% introductory APR for the first 15 months
INTRO apr on Balance Transfer
0% introductory APR for the first 15 months on balance transfers requested within 60 days of account opening
Regular APR
14.99% to 25.99% Variable
Annual Fee
$0
Bonuses & Rewards
  • % 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
  • % 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • 2.7% foreign transaction fee
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One such card is the Blue Cash Everyday card from American Express. Not only could you spread the repayment of a jewelry purchase over its 15-month 0% APR period, you could be earning cash back on every purchase, too.

Also, the 0% APR period on the Blue Cash Everyday card does not work like Zales deferred interest promotional plan. No interest is accrued during the 0% APR period, so if the balance is not paid off by the end of the period, only the remaining balance will be charged interest. No interest is charged if the balance is paid in full by the deadline.

With a current offer of a $150 sign-up bonus, plus no annual fee, the Blue Cash Everyday card from American Express is a fine choice over the Zales credit card.

Get Double Cashback Instead

Another good alternative to the Zales card would be the Discover it Cashback Match Card. You’ll not only be earning cash back on all of your purchases, but rotating quarterly categories earn 5 percent cash back at specific merchants, such as restaurants, grocery stores, gas stations and warehouse clubs.

Discover it® Cash Back

Discover it® Miles Card
How to apply
To apply for this offer please contact
Discover Bank
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INTRO APR on Purchases
0% (14 months)
INTRO apr on Balance Transfer
0% (14 months)
Regular APR
13.99% - 24.99% Variable
Annual Fee
$0
Rewards Program
Cashback Bonus®
Bonuses & Rewards
  • + cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • + Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • + Redeem cash back any amount, any time. Rewards never expire.
  • + Use your rewards at Amazon.com checkout.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • No annual fee.
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The card does not charge an annual fee and all of the cash back you earn the first year will be matched at your card anniversary. That means you’ll get 2 percent back for your jewelry purchases and 10 percent back in bonus categories!

For other cashback cards, check out what our experts are recommending.

Alternatives to the Zales Card for Poor or No Credit

If you’re considering the Zales credit card because your credit is marginal and the card is relatively easy to secure, you might want to consider a secured credit card. Secured credit cards require a refundable deposit, usually for the amount of the initial credit limit, but some allow you to earn rewards while you’re rebuilding or building your credit history.

One secured credit card that allows you to earn rewards while you’re building credit is the Discover it Secured credit card. You’ll be earning as much as 2 percent cash back on your purchases, and at the end of 12 months, all of the cash back you’ve earned will be matched.

Discover it® Secured Credit Card

Discover it® Miles Card
How to apply
To apply for this offer please contact
Discover Bank
INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
10.99% (6 months)
Regular APR
24.99% Variable
Annual Fee
$0
Rewards Program
Cashback Bonus®
Bonuses & Rewards
  • + No Annual Fee, earn cash back, and build your credit with responsible use.
  • + It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
  • + We automatically match all the cash back you’ve earned at the end of your first year.
  • + Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
  • Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
  • Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
  • + Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
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A Simpler Alternative

A more basic secured card that does not earn rewards, but certainly one that will help you build a credit history, is the Platinum credit card from Capital One. The card has no annual fee, and you’ll have access to a higher credit limit after you make your first five payments on time.

Capital One® Platinum Credit Card

INTRO APR on Purchases
N/A
INTRO apr on Balance Transfer
N/A
Regular APR
26.46% (Variable)
Annual Fee
$0
Bonuses & Rewards
  • + Get access to a higher credit line after making your first 5 monthly payments on time
  • + Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
  • + Pay no annual fee
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What to Watch Out for With the Zales Card

Fortunately, the Zales credit card does not charge an annual fee. However, in addition to the hefty 29.99% APR, you could incur other fees and charges associated with the card.

If you make a late payment on the card or your payment is returned, you’ll be charged a $27 late or returned payment fee for the first occurrence. If you make another late/returned payment within six statement periods, the fee increases to $38.

The minimum payment due on your account will never be less than $25 and $2 is the minimum interest charge.

More Questions About the Card

questions about the zales card

Can I make a payment to my Zales card online?

Once you receive your card, you can register online and access your account 24/7. You can then easily make a payment to your account online.

How can I sign up for the no-interest financing plan at Zales?

You cannot sign up for special financing offers with Zales. Their promotional plans are offered to cardholders or to customers at checkout time when making a purchase.

Can I earn rewards by spending on the Zales credit card?

Purchases you charge on your Zales card do not earn rewards. However, there are special promotional offers and other sales especially for cardholders that may earn reward certificates.

Where can I use the Zales credit card?

Unfortunately, it’s a store-branded card issued by Comenity Bank and is not affiliated with a network such as Visa or MasterCard. It can only be used in store at Zales or online at Zales.com.

How do I login to my Zales card account?

It’s easy to login to your account. Simply go to the Comenity Bank login page for the Zales card and either create an account or fill in your username and password.

Bottom Line – Should You Get This Card?

The only reason you might possibly consider the Zales card is to utilize the Everyday Promotional Plans when purchasing an expensive piece of jewelry.

Even then, deferred interest repayment plans can be expensive if they aren’t managed well. An inadvertent late payment or failure to pay off the entire balance in advance of the promotional period expiration date will result in charges approaching 30% APR on your entire purchase.

If you can qualify for another credit card, then you probably shouldn’t get the Zales credit card. There is no compelling reason to incur a hard inquiry on your credit for a card that lacks benefits and rewards.

A cashback card with a 0% APR intro period would serve as a far better choice. Even a secured card, such as the Discover it Secured credit card, could be a better option.