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| Payback Period | Minimum Purchase | Interest Rate |
|---|---|---|
| 6-MONTH FINANCING2,* | $300 | Zero Interest if paid in full within 6 months. |
| 12-MONTH FINANCING2,* | $750 | Zero Interest if paid in full within 12 months. |
| 18-MONTH FINANCING2,* | $3000 | Zero Interest if paid in full within 18 months. |
| 36-MONTH FINANCING3,* | $1500 | 16.99% APR for 36 months. After that, purchase APR of 35.99%. |
Zales Cardholders also enrolled in Vault RewardsTM earn
1 Gem for each dollar spent6 and unlock access to benefits such as:
Need More Options?
Discover our variety of payment options that make getting your jewelry styles easy.
Frequently Asked Questions
Your new credit card will arrive in the mail 7-10 business days from the date you opened your account. If you do not receive your card after 10 business days, please call Comenity Capital Bank at 1-800-695-0434 (TDD/TTY: 1-888-819-1918) to request another card.
Yes. You will receive a monthly statement by mail if you have a balance or if there is activity on your account, unless you sign up for paperless statements (see next questions).
It’s easy to sign up! Visit comenity.net/zales and click “Register”. Enter your account information (use your current account number).
• Inside a Zales store - please note that Comenity Capital Bank will not accept a credit card as a form of payment.
• Schedule a payment or send a check to: Comenity Capital Bank; P.O. Box 659819; San Antonio, TX 78265-9119.
See your billing statement for all payment options and details
1,§ Minimum payments are required for each Credit Plan. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. See Credit Card Agreement, as amended, for details.
2 Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges.*
3 Low APR, Equal Payment plan: Interest will be charged to your Account at the reduced APR from the purchase date through the end of the promotional period. After the promotional plan expiration date, the purchase APR will apply. Minimum payments are required for each Credit Plan.*
* All Promotional Plans:
Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. As of September 2024, terms for new Accounts: Purchase APR of 35.99%. Minimum interest charge is $3 in any billing period in which interest is due. Promotional Plan Transaction Fee is 2% of the promotional plan purchase. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.
4 Must have a valid email address and U.S. mailing address. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received in your welcome kit.
5 Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Must have valid email address and U.S. mailing address.
6 Offer is available to all Vault Rewards members. This rewards program is provided by Jared the Galleria of Jewelry, Jared Vault, Kay Jewelers, Zales, Kay Outlet and Zales Outlet and its terms may change at any time. For full Rewards Terms and Conditions, please see zales.com/vault-rewards-terms-and-conditions. Cardholders who are not enrolled into Vault Rewards, see Reward Terms and Conditions to sign-up. For full benefit disclaimers visit zales.com/vault-rewards-benefit-disclaimers.
7 Offer is available to enrolled cardholder members that are in the Vault Rewards Program. See zales.com/vault-rewards-terms-and-conditions for terms and conditions. Cardholders who are Vault Rewards members will receive Free Express shipping for in-stock items that don’t need sizing or personalization. Express shipping is not available for delivery to APO, FPO, DPO addresses or for delivery to Hawaii, Alaska, or U.S. territories.
8 Offer is available to enrolled cardholder members that are in the Vault Rewards program. See zales.com/vault-rewards-terms-and-conditions for terms and conditions. Offers cannot be redeemed on clearance, closeouts, loose diamonds and gemstones, A. Link, Crivelli, James Allen, Jared Atelier, WOLF, Yoko, Zydo, Tacori, Baume & Mercier, Frederique, Breitling, Bremont, Longines, Michael M., Michele, TAG Heuer, TAG Connected, Oris, Rado, Shinola, Now & Forever® & Adore® solitaire rings, Lab-Created Diamonds by KAY solitaire rings, From this Moment solitaire rings, Armani Exchange, Bulova Frank Sinatra, Bulova Marc Anthony, Bulova American Girl, Bulova Archive Series, Casio, Coach, Fossil, Hamilton, Hugo Boss, Kate Spade, Mido, Movado, Movado Bold, Skagen Tissot, and select JBW watches, smartwatches, watchbands, Teddy Bear Jewelry Collection honoring St. Jude®, Le Vian® Vault online collection, Alessi Domenico, PDPaola, Shala, SOKO, Designer Spotlight, rental jewelry, Le Vian events, Diamond Events, special events, specially priced merchandise offers, personalized jewelry, custom items, previously owned merchandise, ear piercing merchandise, gift cards, extended service plans, repairs, charity items, purchases made with trade-ins, and previous purchases. Offers cannot be redeemed for cash or used as payment on layaway or credit accounts. Offers may exclude certain new items, designer brands, and licensed or exclusive collections. Offers are not transferable and will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. See a Jewelry Expert in-store or chat with an Expert online for full details. Birthday Benefit: Members who provide their birthday month and day prior to the 1st day of their birthday month will receive $100 off a purchase of $300 or more, excluding tax and shipping, valid during the Member's birthday month. Members who initially provide birthday information after the 1st day of their birthday month, will not receive this offer until their birthday month the following calendar year. One redemption per customer per year. Annual Membership Reward: Cardholders who are Vault Rewards members will receive a $25 Reward each year on the anniversary date of enrollment in Vault Rewards. Each member will receive only one Reward per calendar year. To redeem, purchase price must equal or exceed amount of the Reward, excluding tax and shipping charges. One redemption per customer.
9 Offer is available to all Vault Rewards members. See zales.com/vault-rewards-terms-and-conditions for terms and conditions. From time to time, Vault Rewards members may receive special offers from partners. Offer details and terms will be provided at the time of offer.
10 Offer is available to all Vault Rewards members. See zales.com/vault-rewards-terms-and-conditions for terms and conditions. From time to time, Vault Rewards members may receive special offers on wedding and anniversary bands. Offer details and terms will be provided at the time of offer issuance.
PAY AS LOW AS FOR PURCHASES OVER $300
^6 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (including a 2% promotional plan fee, excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 6 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.
Promotional Credit Plan Details: Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges.*
PAY AS LOW AS FOR PURCHASES OVER $750
^^12 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (including a 2% promotional plan fee, excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 12 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.
Promotional Credit Plan Details: Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges.*
PAY AS LOW AS FOR PURCHASES OVER $3000
^^^18 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (including a 2% promotional plan fee, excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 18 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.
Promotional Credit Plan Details: Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges.*
* All Promotional Plans: Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. As of September 2024, terms for new Accounts: Purchase APR of 35.99%. Minimum interest charge is $3 in any billing period in which interest is due. Promotional Plan Transaction Fee is 2% of the promotional plan purchase. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.
Credit card offers are subject to credit approval.
Zales Credit Card Accounts are issued by Comenity Capital Bank, a Bread Financial® company.
When creating an account please be sure to use the same email that you will use during the application process. If you already have a Zales.com account be sure to use the same email address when completing the credit applications