Zales Credit Card Review

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The Zales Credit Card, which is issued by Comenity Bank, is a standard store credit card good for purchases in Zales stores or online at Zales.com. If your goal is purchasing diamonds and other jewelry with special, in-house financing offers, getting this card may make sense. Just be aware of interest rate “gotchas” and fine print.

Zales Diamond Credit Card

overall rating
2.5
Zales Diamond Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Not Specified
  • Regular APR (%) 29.99% variable
  • Annual Fee No Annual Fee
  • Intro Purchase APR 9.99%
  • Intro Purchase APR Length (number of months) 36
Ratings Breakdown
for Interest
1.0
for Rewards
1.9
for Credit
3.5

Who is This Credit Card Best For?

  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty
    Brand Loyalist
  • Avatar for Family Shopper Persona
    Looks for good quality at a fair price while buying for the household
    Family Shopper
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker
  • Avatar for Trendsetter Persona
    Loves being the first to try something new
    Trendsetter

The Zales Credit Card is aimed squarely at customers of Zales jewelry who may not have the ability or desire to finance their purchases any other way. The finance offers are attractive, but the cardholder benefits aren’t that great. If you want to score special financing at the same time as you’re buying jewelry from Zales, this card is an option.

Pros

  • 0% APR deals

  • Low APR when you pay over 36 months

  • Cardholder perks

Cons

  • Hidden fees and fine print

  • Deferred interest

  • High ongoing APR

  • No rewards

Pros Explained

  • 0% APR: This card does offer 0% interest on six-, 12-, and 18-month promotional credit plans, which could help you save money if you have the means to pay your balance in full before the introductory offer is over. 
  • Low APR when you pay over 36 months: This card also gives you the chance to pay just 9.99% interest on purchases paid off over 36 months. That’s far from free, but it’s a lower interest rate than just about any credit card charges. 
  • Cardholder perks: Cardholders qualify for $50 off on their birthday and free standard shipping on most purchases made with the Zales card. 

Cons Explained

  • Hidden fees and fine print: While you can secure 0% APR on promotional credit plans for six, 12, or 18 months, the plans for 12 or 18 months come with a $9.95 fee per transaction. Also note the minimum spending requirement for these plans—$150 for the six-month plan, $750 for the 12-month plan, and $3,000 for the 18-month plan.
  • High ongoing APR: Outside of promotional credit plans and special financing offers, this card comes with a variable purchase interest rate of 29.99%. That’s a pricey rate, but especially for diamonds and other jewelry since they tend to depreciate rapidly. 
  • No rewards: While the Zales Credit Card focuses on special financing and not rewards, it’s a shame you don’t earn anything for spending on this card. After all, some credit cards grant 0% interest on purchases for a limited time plus cash back on every dollar you spend.

If you do opt for one of the promotional 0% plans, note that you’ll be charged deferred interest if you don’t pay off your balance before the introductory offer ends—or if you make a late payment. Deferred interest means financing charges dating all the way back to your purchase date.

Customer Experience

Comenity Bank’s rankings and reviews are few—and not that great. For example, Comenity Bank has only received 3 out of 5 stars on average with its Consumer Affairs profile, and there are many, many 1-star reviews. Common complaints include Comenity Bank closing accounts for no reason, poor customer service, and sneaky deferred interest charges. 

Comenity Bank also has an “F” rating with the Better Business Bureau (BBB) as well as an average 1-star rating (out of 5) based on 532 customer reviews. 

Comenity Bank doesn’t offer an app, nor do they offer any useful cardholder tools to help their customers track their credit scores or manage their finances better. They also don’t appear to offer 24/7 customer service, and instead ask customers to contact them through a standard email form or via telephone during select hours. Customers can manage their accounts online, however. 

Security Features

Comenity Bank does not offer many of the security features consumers have come to expect from credit card issuers, such as card lock or credit report monitoring. They will put your credit card account on hold if your physical card is lost or stolen; replacement cards are also offered within 48 hours at no cost. 

Zales Credit Card Fees to Watch Out For

Watch out for $6 document fees and a $15 “alternative payment fee” they might charge if you need to pay your bill over the phone. 

The biggest “gotcha” to be aware of with the Zales Credit Card is the potential for deferred interest to be charged on their six-, 12-, and 18-month promotional plans. Comenity Bank lays out very clearly in their fine print that “interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period—or if you make a payment late.” 

For Zales Diamond Credit Card

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Zales Diamond Credit Card
overall rating
2.5
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
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670 739
740 799
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Not Specified
  • Regular APR (%) 29.99% variable
  • Annual Fee No Annual Fee
  • Intro Purchase APR 9.99%
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Our Methodology

  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.