Zales Credit Card
in Personal Credit Cards from Comenity
Would you recommend Zales Credit Card to your friends?
| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | Starting at 29.99% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | N/A |
| Annual Fee | $0 |
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 |
|---|---|
|
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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% .
Does Zales Credit Card have an introductory APR offer on balance transfers?
No, Zales Credit Card does not come with an introductory APR offer for balance transfers.Does Zales Credit Card have an introductory APR offer on new purchases?
Zales Credit Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Zales Credit Card?
The following fees apply to Zales Credit Card:
| 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?
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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.
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.
Contact
- Headquarters
-
12921 South Vista Station Boulevard
Salt Lake County
Draper, UT 84020 - Visit Site
About Zales Credit Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Paper Statement Fee | $0 |
| Minimum Interest Charge | $2 |
| Returned Payment Fee | Up to $39 |
| Late Fee Amount | Up to $39 |
Zales Credit Card Community Reviews
Would you recommend Zales Credit Card to your friends?
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