Zales Credit Card Review

Zales Credit Card is a store credit card issued by Comenity. If you're wondering whether Zales Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• 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.

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.

Is there a Zales Credit Card cash back or rewards program?

No, Zales Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Zales Credit Card has higher than average purchase 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 to Zales Credit Card:

Zales Credit Card Fees

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

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.