The Zales Credit Card

^*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.

^**Minimum payments required each billing period. Interest will apply according to your regular credit terms.

¹Must 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.

²Account 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.

³This 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.

⁴Offer 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.

⁵Offer 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.

Credit card offers are subject to credit approval.

Zales Credit Card Accounts are issued by Comenity Capital Bank, a Bread Financial® Company.

Progressive Leasing

^†Regular $79 initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.

^§No credit needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer's cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, WY.

Affirm

^◊Rates from 0-36% APR. For example, a $700 purchase might cost $63.18 per month over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. For licenses and disclosures see affirm.com/licenses.

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