Credit Cards

Zales Credit Card Review: Is It The Sparkling Choice for Jewelry Shoppers?

The Zales Credit Card is a popular choice for jewelry shoppers looking to take advantage of exclusive discounts, special financing offers, and a rewards program. In this article, we will review the benefits, application process, fees, and charges associated with the Zales Credit Card to help you determine if it is the sparkling choice for…

The Zales Credit Card is a popular choice for jewelry shoppers looking to take advantage of exclusive discounts, special financing offers, and a rewards program. In this article, we will review the benefits, application process, fees, and charges associated with the Zales Credit Card to help you determine if it is the sparkling choice for your jewelry purchases.

Key Takeaways

  • The Zales Credit Card offers exclusive discounts for cardholders, making it a rewarding choice for frequent shoppers.
  • Special financing offers provide flexibility in payment options for large jewelry purchases.
  • The rewards program allows cardholders to earn points on their purchases and redeem them for future discounts.
  • The online application process for the Zales Credit Card is convenient and easy to complete from the comfort of your own home.
  • Be aware of the annual fee, interest rates, and late payment fees associated with the Zales Credit Card to avoid any unexpected charges.

Zales Credit Card Benefits

Exclusive Discounts

Exclusive Discounts are a major perk of the Zales Credit Card, offering cardholders significant savings on their jewelry purchases. As a card member, you can enjoy reduced prices on select items, which can translate to substantial cost reductions especially during exclusive sale events.

  • Birthday discounts
  • Cardholder appreciation events
  • Special offers throughout the year

Cardholders should keep an eye on their email and postal mail for notifications about upcoming sales and exclusive discount opportunities, ensuring they don’t miss out on potential savings.

Special Financing Offers

The Zales Credit Card provides an attractive range of special financing options that cater to different purchase sizes and customer needs. For purchases of $1,500 or more, cardholders can access fixed rate financing at a competitive APR, which allows for predictable monthly payments over an extended period.

  • 6 months: No interest if paid in full
  • 12 months: Reduced APR and fixed monthly payments
  • 36 months: Fixed APR for larger purchases

These financing plans are designed to make larger jewelry investments more manageable. However, it’s crucial to pay attention to the terms and conditions to avoid unexpected charges.

Remember, to benefit from the special financing offers, purchases must meet the minimum amount required and payments must be made on time to avoid interest accrual.

Rewards Program

The Zales Credit Card rewards program is designed to enhance the shopping experience for jewelry enthusiasts. Earn points for every dollar spent, which can be redeemed for discounts on future purchases. This program is particularly beneficial for frequent shoppers, as it allows them to save money over time.

  • For every $1 spent, earn 1 point.
  • Accumulate 200 points and receive a $10 reward.
  • Points must be redeemed within a set period before they expire.

The rewards program is a standout feature, offering a tangible way to save as you spend. It’s a smart choice for those who plan to make regular purchases at Zales.

Remember to keep track of your points and redeem them promptly to maximize the benefits of the program. The rewards can add up quickly, especially during promotional periods when additional points may be offered.

Zales Credit Card Application Process

Online Application

Applying for the Zales Credit Card online is a straightforward process. Prospective cardholders can visit the Zales website and fill out the application form with their personal and financial information. The online application offers the convenience of applying from anywhere at any time.

  • Navigate to the Zales credit card page.
  • Click on the ‘Apply Now’ button.
  • Complete the application form with accurate details.
  • Review and submit your application.

It’s important to ensure that all the information provided is accurate to avoid any delays in the approval process.

Once submitted, applicants can often receive an instant decision on their application. However, some applications may require additional review, which can extend the approval time.

In-Store Application

Applying for the Zales Credit Card in-store is a straightforward process. Sales associates are available to guide you through the application, ensuring you understand the terms and benefits. The in-store application allows for immediate assistance and the opportunity to ask questions in real-time.

  • Visit your nearest Zales location.
  • Speak with a sales associate to start your application.
  • Provide the necessary personal and financial information.
  • Wait for a quick credit check to be completed.

Applying in-store can be particularly beneficial for those who prefer personal interaction and immediate feedback on their application status.

Approval Timeframe

Once the application for the Zales Credit Card is submitted, either online or in-store, the approval process is generally swift. Applicants can expect a decision within minutes, which allows for immediate use of the credit line if approved. This quick turnaround is particularly beneficial for those looking to make an on-the-spot purchase.

It’s important to note that while most applications receive an instant decision, some may require additional review. In such cases, the approval may take longer, and the applicant will be notified of the timeframe.

In the event of a delayed decision, here’s what you can expect:

  • Notification of the need for further review
  • A request for additional information or documentation
  • A final decision communicated via email or mail within 7-10 business days

Zales Credit Card Fees and Charges

Annual Fee

One of the appealing aspects of the Zales Credit Card is that it comes with no annual fee. This means cardholders can enjoy the benefits of the card without worrying about a yearly charge just for keeping the account open.

However, it’s important to consider that while there is no annual fee, other charges may apply depending on how the card is used. For instance, if balances are carried beyond the interest-free period, significant interest charges can accrue.

While the absence of an annual fee is a plus, cardholders should be mindful of their spending and payment habits to avoid other potential fees.

Interest Rates

The Zales Credit Card comes with a range of interest rates that vary based on creditworthiness and market conditions. Typically, the APR for purchases is on the higher end compared to general-purpose credit cards. It’s crucial for shoppers to understand the implications of these rates, especially if they plan to carry a balance.

Interest rates can significantly affect the overall cost of your jewelry purchase in the long run.

Here’s a quick overview of the current interest rates for the Zales Credit Card:

Purchase APR Cash Advance APR
29.99% 29.99%

Remember, paying off your balance in full each month can help you avoid interest charges altogether. If you choose to utilize the special financing offers, be sure to read the terms carefully as different rules may apply.

Late Payment Fees

Being aware of the late payment fees associated with the Zales Credit Card is crucial to maintain a healthy credit score and avoid unnecessary costs. Late payments can significantly increase the overall cost of your purchases due to additional fees.

  • First occurrence: $29 late fee
  • Subsequent occurrences (if late payment happens more than once in six billing cycles): $40 late fee

It’s important to note that these fees are in addition to any interest charges that may accrue on your balance. To avoid these fees, ensure you make at least the minimum payment before the due date each month.

Timely payments are not just about avoiding fees; they also help in building a positive credit history, which can be beneficial for future financial endeavors.


In conclusion, the Zales Credit Card offers a range of benefits for jewelry shoppers, including special financing options, exclusive discounts, and convenient online account management. While it may not be the perfect choice for everyone, it is certainly a sparkling option for those who frequent Zales stores and are looking to make their jewelry purchases more affordable and rewarding. Consider applying for the Zales Credit Card if you are a jewelry enthusiast seeking added perks and savings on your purchases.

Frequently Asked Questions

How can I apply for a Zales credit card online?

You can apply for a Zales credit card online by visiting their official website and filling out the online application form.

What are the exclusive discounts offered with the Zales credit card?

The Zales credit card offers exclusive discounts on jewelry purchases for cardholders, providing savings on a variety of products.

Does the Zales credit card have a rewards program?

Yes, the Zales credit card features a rewards program where cardholders can earn points on their purchases and redeem them for discounts or rewards.

What is the approval timeframe for a Zales credit card application?

The approval timeframe for a Zales credit card application can vary, but typically applicants receive a decision within a few business days.

Are there any late payment fees associated with the Zales credit card?

Yes, late payment fees may apply if the minimum payment is not made by the due date on the Zales credit card statement.

What are the interest rates on the Zales credit card?

The interest rates on the Zales credit card can vary based on the cardholder’s creditworthiness and the current market rates. It is important to review the terms and conditions for specific details.

John DoeJ

Leo the Card Bonus Guy

Leo, known as "Leo the Card Bonus Guy," is an expert in finding the top credit card bonuses. With years of experience, he's become a master at uncovering the best deals and teaching others how to do the same. His simple and effective tips help readers maximize their rewards without the hassle. Leo's passion for sharing his knowledge has made him a go-to source for anyone looking to get the most out of their credit cards.Follow on Twitter/X