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To apply for The Diamond Credit Card an online zales.com account is required. Why? If your application is instantly approved, you will have access to your credit immediately. Your credit card account information will be saved within your zales.com account and then can be used when checking out online. 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 application.
There's A Plan For You
With the Diamond Credit Card, choose the Special Financing1 option that works best for your budget.
| 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. |
| 7/26/24 - 7/28/24 24-MONTH FINANCING◊ |
$5000 | Zero Interest if paid in full within 24 months. |
| 36-MONTH FINANCING3,* | $1500 | 16.99% APR for 36 months. After that, variable purchase APR of 33.24%. |
For the 6, 12, 18 and 24 month credit plans, 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.
The Diamond Credit Card Perks
Enjoy dazzling and exclusive benefits when you use The Diamond Credit Card!
WELCOME GIFT4
$50 OFF5 BIRTHDAY GIFT
$100 OFF5 CARDHOLDER ANNIVERSARY GIFT
$100 OFF6 TWICE A YEAR & OTHER EXCLUSIVE OFFERS
EARLY SALES ALERTS7
10% OFF8 REPAIR SERVICES
CARDHOLDER-ONLY SPECIAL EVENT6
INSPECTION & CLEANING REMINDERS7
EVERYDAY FREE SHIPPING10 AT ZALES
You Deserve More Options
When you find the jewelry style you love, you have to have it! Don't worry–we offer a variety of payment options that make it possible.
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).
• Pay online after you have registered your account at comenity.net/zales.
• 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
Yes. Visit comenity.net/zales and click on “Payments”. Accept terms and conditions and then navigate to the top banner for more details on how to pay your bill with your debit card. For any questions, please call Comenity Capital Bank at 1-800-695-0434 (TDD/TTY: 1-888-819-1918) or visit the nearest Zales store.
For any questions, please call Comenity Capital Bank at 1-800-695-0434 (TDD/TTY: 1-888-819-1918) or visit comenity.net/zales and go to the help page and select transactions and statements.
For any questions, please call Comenity Capital Bank 1-800-695-0434 (TDD/TTY: 1-888-819-1918) or visit the nearest Zales store.
- ◊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. * 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 July 2024, terms for new Accounts: Variable purchase APR of 33.24%. Minimum interest charge is $3 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. Ask a Jewelry Expert for details. Valid 7/26/24-7/28/24.
- 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.
- 2Deferred 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. *
- 3Low 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 variable 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 July 2024, terms for new Accounts: Variable purchase APR of 33.24%. Minimum interest charge is $3 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. - 4Must 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.
- 5Must have made a purchase in the previous 12 months starting 1 month(s) prior to birthday and card anniversary. Accounts that opened in your birthday month or in the previous month will receive the offer during your birthday month the following calendar year. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received during cardholder birthday and anniversary months. Must have valid email address and U.S. mailing address.
- 6Must 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.
- 7Must have valid email address and U.S. mailing address.
- 8Account must not be in default. Redemption Details: Cannot be combined with repair offers.
- 10Limited to Standard Shipping (3-5 Business Days) in U.S. and U.S. territories.
- 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 (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 (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 (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 and minimum interest charge. As of July 2024, terms for new Accounts: Variable purchase APR of 33.24%. Minimum interest charge is $3 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms. - Credit card offers are subject to credit approval.
The Diamond Credit Card Accounts are issued by Comenity Capital Bank, a Bread Financial® company.
- To apply for The Diamond Credit Card an online Zales.com account is required. Why?
- If your application is instantly approved, you have access to your credit immediately. Your credit card account information will be saved within your Zales.com account and then can be used when checking out online.
- 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