Zales Credit Card Review

The Zales credit card can help around the holidays and other times of the year. The jewelry store credit card provides no- and low-interest payment plans. But make sure you pay the balance off on time and in full.

Zales Credit Card Basics

This credit card was designed for people looking for a low-cost way to buy jewelry. High-end jewelry is no small purchase, and it rarely goes on sale. So when birthdays, anniversaries, and the holidays roll around, many people are looking for ways to save on jewelry gift purchases. With a fair to excellent credit score (660+), you could be considered for the Zales credit card.

This credit card has a standard rate of 29.99 percent, but offers no interest credit if you pay back the entire balance within six or 12 months (minimum purchase $500), which is the only card's "reward."

In addition to the high standard APR, there are fees to know about:

Zales Credit Card Fees
Annual Fee None
Late Payment Fee Up to $39
Returned Payment Fee Up to $39

Pros and Cons of the Zales Credit Card


  • No- and low-interest payment plans.
  • No annual fee.


  • Very high standard APR.

Zales Credit Card Review

If you're looking to make a big splash this holiday season with an elaborate gift but don't think you can pay for it all at once, you should look into this deal by the Zales jewelry store chain.

The Zales Credit Card, only accepted at Zales stores, offline and online, normally has an astronomical 27 percent APR. However, the card does have a couple of attractive loan deals that allow you to borrow for as long as a year at no or low cost.

You can get a zero percent loan for six months if you spend more than $500 and put 10 percent down. You can also get a $1,000 no-interest loan for 12 months. The 12-month loan requires you to put 15 percent down and pay a $9.95 transaction fee. Still, that's a lot better than paying 29.99 percent to carry a balance.

Zero Percent APR Doesn't Mean Zero Payments

Whichever plan you choose, you must make minimum monthly payments of either $20 or 3 percent of your balance, whichever is greater and pay the entire balance off in the time allotted. However, as Zales itself notes, making the minimum payment will not pay off the balance in time. If you don't make minimum payments, or if you're ever late with a payment, you will be charged interest — at the 29.99 percent rate — dating back to the purchase date. That will be very costly.

To make sure you don't fall into that trap, pay at least 20 percent of the balance each month if you choose the $500 option, or 10 percent of the balance if you choose the bigger loan option. That way you'll have the balance paid off and not pay any interest.


Zales Credit Card is a good deal if you want to pay off your purchase over time but don't want the charge on one of your other credit cards. However, it won't work if you don't pay off the balance in time. You're likely to be approved for this card, even if you have weak credit.

Credit card pricing, terms, and rewards are subject to change. Check the card issuer's website for the latest credit card deals.