| Category | Rate | Type | Cap |
|---|---|---|---|
|
Zales Purchases
Earns 1 Gem per dollar spent via the integrated Vault Rewards program; gems are used solely to determine membership tier status and have no cash value.
|
1x | Points | No cap |
|
All Other Purchases
This is a closed-loop store card that can only be used for purchases at Zales and its affiliated brand network; it cannot be used for general everyday spending.
|
0x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Birthday Offer
Cardholders receive a $50 discount coupon usable during their birthday month on a minimum required purchase; cardholder must have made a purchase in the 12 months prior (starting 1 month before birthday), have a valid email address and U.S. mailing address, and the account must not be in default. Accounts opened in the birthday month or the two prior months receive the offer the following calendar year.
|
Credits |
$50 off during birthday month
Up to $50
|
|
New Cardmember Welcome Gift
New cardholders receive a one-time welcome discount of $50 off a minimum purchase of $250 at Zales upon account opening and same-day approval. Application and approval must occur the same day; the discount may be limited by a temporary credit limit.
|
Credits |
$50 off a $250+ purchase
Up to $50
|
|
Credit Building via Bureau Reporting
The Zales Credit Card reports account activity and payment history to all three major credit bureaus (Equifax, Experian, and TransUnion), enabling cardholders to build or improve their credit profile with responsible use.
|
Financial | Reported to all 3 major credit bureaus |
|
Extended Special Financing — Up to 60 Months
Deferred interest or low APR promotional plans are available for up to 48 or 60 months on qualifying purchases; plan availability may be limited to certain locations or periods. Minimum payments are required for each credit plan during the promotional term.
|
Financial | Special financing up to 60 months on qualifying purchases |
|
Low APR Equal Payment Financing — 36 Months
Cardholders may finance purchases of $1,500 or more at a low APR (9.99%, 14.99%, or 16.99% depending on offer) over 36 months with equal monthly payments; after the promotional period, the standard variable purchase APR applies to any remaining balance. The 36-month plan has the promotional transaction fee waived for qualifying purchases.
|
Financial | Low APR financing (9.99%–16.99%) for 36 months on $1,500+ purchases |
|
No Annual Fee
The Zales Credit Card carries no annual fee, making it a no-cost-to-hold store card for Zales shoppers.
|
Financial |
$0 annual fee
Up to $0
|
|
Paperless Statement Option
Cardholders can enroll in paperless statements online at comenity.net/zales to avoid the Paper Statement Fee of $2.99/month (up to $35.88/year), which is charged only when a paper statement is mailed and the balance exceeds $3.50.
|
Financial |
Avoids up to $35.88/year paper statement fee
Up to $36
|
|
Zero Down Special Financing — 12 Months
No interest if paid in full within 12 months on purchases of $750 or more made with the Zales Credit Card; a promotional transaction fee of $9.95 applies. Interest is charged from the purchase date at the standard APR if balance is not paid in full within the promotional period (deferred interest).
|
Financial | 0% deferred interest for 12 months on $750+ purchases (Promotional Fee applies) |
|
Zero Down Special Financing — 18 Months
No interest if paid in full within 18 months on purchases of $3,000 or more made with the Zales Credit Card; a promotional transaction fee of $9.95 applies. Interest is charged from the purchase date at the standard APR if balance is not paid in full within the promotional period (deferred interest).
|
Financial | 0% deferred interest for 18 months on $3,000+ purchases (Promotional Fee applies) |
|
Zero Down Special Financing — 6 Months
No interest if paid in full within 6 months on purchases of $300 or more made with the Zales Credit Card. Interest is charged from the purchase date at the standard purchase APR if the balance is not paid in full within the promotional period (deferred interest).
|
Financial | 0% deferred interest for 6 months on $300+ purchases |
|
Early Access to Sales and Cardholder Events
Cardholders receive early access to Zales sale events and are invited to exclusive cardmember-only in-store and online shopping events throughout the year, including the recurring Cardholder Appreciation Month.
|
Lifestyle | Early sale access and exclusive events |
|
Exclusive Cardmember-Only Coupons
Cardholders receive exclusive cardmember-only coupon offers delivered by email throughout the year, including periodic sale and discount events. A valid email address and U.S. mailing address must be on file.
|
Lifestyle | Exclusive cardmember coupons |
|
Free Rocksbox Trial and Shopping Credit
New Zales Credit Card cardholders receive a complimentary one-month trial of Rocksbox jewelry rental membership plus a $10 shopping credit upon subscribing; this is a partnership benefit offered at account opening.
|
Lifestyle |
1-month free Rocksbox trial + $10 shopping credit
Up to $10
|
|
Jewelry Inspection and Cleaning Reminders
Cardholders receive periodic email notifications reminding them to bring their jewelry in for professional inspection and cleaning at Zales stores.
|
Lifestyle | Complimentary email reminders |
|
Special Offers from Loyalty Partners
Cardholders receive access to special offers and promotions from Zales' selected loyalty partners, delivered via email; a valid email address must be on file.
|
Lifestyle | Partner special offers |
|
Wedding and Anniversary Band Offers
Cardholders have access to special offers on wedding and anniversary bands as part of Zales' Vault Rewards credit card benefit tier; specific discount amounts are communicated at the time the benefit is issued.
|
Lifestyle | Special offers on wedding and anniversary bands |
|
Zero Liability Fraud Protection
As a Comenity Capital Bank-issued card, cardholders are protected against unauthorized charges; cardholders are instructed to immediately notify the bank if the card is lost, stolen, or used without authorization.
|
Security | Zero liability on unauthorized charges |
|
10% Off Jewelry Repair and Services
Cardholders receive 10% off jewelry repair and services when paid with the Zales Credit Card; account must not be in default and this discount cannot be combined with other repair offers.
|
Shopping | 10% off repair services |
|
Free Standard Shipping
Cardholders receive complimentary standard shipping (3–5 business days) on purchases made with the Zales Credit Card, valid for the U.S. and U.S. territories.
|
Shopping | Free standard shipping (3–5 business days) |
