| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
The card does not earn traditional cash back, points, or miles on purchases.
|
0x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Cardholder Anniversary Gift
Cardholders receive $100 off a minimum purchase of $499 each year on their card anniversary. Account must not be in default.
|
Credits |
$100 off $499+ annually
Up to $100
|
|
New Cardmember Welcome Gift
New cardholders receive $50 off a minimum purchase of $250 at Zales Outlet, applied immediately upon account opening. Account must not be in default. Valid for a single transaction only.
|
Credits |
$50 off $250+ first purchase
Up to $50
|
|
Deferred Interest Promotional Financing
Qualifying purchases at Zales Outlet may be placed on deferred interest promotional plans of 6, 12, 18, 24, 36, 48, or 60 months. No interest is charged if the full plan balance is paid by the end of the promotional period; otherwise interest accrues from the purchase date at the standard purchase APR of 35.99%. A Promotional Plan Fee of 2% of the promotional plan purchase applies.
|
Financial | 0% deferred interest for 6–60 months |
|
Low APR Equal Payment Promotional Financing
Qualifying purchases may be placed on a Low APR Equal Payment plan at 9.99% APR for 36 or 60 months, 14.99% APR for 36 or 48 months, or 16.99% APR for 36, 48, or 60 months. After the promotional period ends, the standard purchase APR applies to any remaining balance.
|
Financial | 9.99%–16.99% APR for 36–60 months |
|
No Annual Fee
The Diamond Credit Card carries no annual fee, making it free to hold for Zales Outlet shoppers.
|
Financial |
$0 annual fee
Up to $0
|
|
Paperless Statement Fee Waiver
Cardholders enrolled in paperless statements avoid the Paper Statement Fee of $2.99 per month (up to $35.88 per year), which applies when a paper billing statement is mailed and the balance exceeds $3.50.
|
Financial |
Avoids up to $35.88/year in paper statement fees
Up to $36
|
|
Vault Rewards Automatic Enrollment
As of September 3, 2024, approved Zales Credit Card applicants who provide a valid email address are automatically enrolled in Vault Rewards, Zales Outlet's independent loyalty program. Vault Rewards Gems cannot be redeemed for Zales Credit Card statement credit.
|
Financial | Complimentary automatic enrollment |
|
Birthday Offer
Cardholders receive $50 off a purchase of $250 or more during their birthday month. Cardholder must have made a qualifying purchase in the previous 12 months starting one month prior to their birthday. Accounts opened in the birthday month or the two months prior will receive the offer during the birthday month of the following calendar year. Account must not be in default.
|
Lifestyle |
$50 off $250+ during birthday month
Up to $50
|
|
Cardholder-Only Events
Cardholders receive access to exclusive cardholder-only events at Zales Outlet, which may include private shopping events, preview sales, and special in-store experiences.
|
Lifestyle | Complimentary exclusive access |
|
Early Sale Alerts
Cardholders receive advance notification of upcoming sales and promotions at Zales Outlet before the general public.
|
Lifestyle | Complimentary early access |
|
Jewelry Inspection and Cleaning Reminders
Cardholders receive periodic reminders to bring their jewelry in for professional inspection and cleaning services at Zales Outlet locations.
|
Lifestyle | Complimentary reminders |
|
Rocksbox Free Trial and Shopping Credit
Cardholders receive a complimentary one-month trial membership to Rocksbox, a jewelry rental subscription service, plus a $10 shopping credit when they subscribe.
|
Lifestyle |
1 free month + $10 Rocksbox credit
Up to $10
|
|
Credit Bureau Reporting
The Diamond Credit Card reports account activity to credit bureaus, enabling responsible cardholders to build or maintain their credit profile.
|
Security | Reported to major credit bureaus |
|
10% Off Jewelry Repair and Services
Cardholders receive 10% off jewelry repair and services at Zales Outlet, including resizing, resetting, and polishing. Cannot be combined with other repair offers.
|
Shopping | 10% off repair & services |
|
Free Standard Shipping
Cardholders receive free standard shipping on all purchases at Zales Outlet, with delivery within three to five business days to U.S. addresses and territories.
|
Shopping | Free standard shipping on all orders |
