Zales Credit Card

Zales Credit Card Review

This is a store card issued by Comenity Bank. If you're wondering whether Zales credit card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 29.99%
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.

Pros & Cons of Zales credit card

The Good	The Bad
$0 down, special financing plans available for cardholders $50 OFF on your birthday Free standard shipping for cardholders 10% off any repair service when you use your card No annual fee. Zales Credit Card reports to multiple credit bureaus.	High interest rate Store only card Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not include many credit card benefits.

Zales credit card FAQ

Does Zales credit card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

• Retail

What are the relevant APRs for Zales credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Zales Credit Card has a variable purchase APR starting at 29.99% .

What are the fees for Zales credit card?

The following fees apply:

Zales credit card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $39
Late Payment Fee	up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Zales Credit Card report your account activity to credit bureaus?

Yes, Zales Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Zales credit card

• Visit the Zales credit card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.