Zales Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and customer service info for The Zales Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesQualify with fair creditNo rewardsHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Zales Credit Card has a rating of 1.9/5 according to our proprietary credit card rating system. This rating reflects how appealing Zales Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Improve Credit by Paying in Full Each Month'. To break it down further, Zales Credit Card earned a score of 5.0/5 for Fees, 0.0/5 for Rewards, 3.3/5 for Cost, and 3.3/5 for User Reviews. Info about the Zales Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.3/5
40 reviewsRead and write reviews
Market Comparison
Market Comparison
1.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
Other Features
0.0
1.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% - 16.99% intro APR for 6 - 36 months, 33.24% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
Zales Credit Card's Additional Info
Deferred Interest Details: No Interest if paid in full within 6, 12 or 18 months for purchases of at least $300, $750 or $3,000, respectively.
Fixed Rate Financing: 16.99% APR for 36 months on purchases of at least $1,500.
Get 10% off any repair service when you use your card.
$100 off cardholder anniversary gift.
$100 off twice a year & other exclusive offers.
Get $50 off on your birthday.
Free Standard shipping (3-5 business days) valid for U.S. and U.S. territories when you use your card.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.3
Market Comparison
1.8
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 0.0
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.2
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.2
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
(40)
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(163)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% - 16.99% for 6 - 36 months
Purchase Intro APR0% for 21 months from account opening
Purchase Intro APR0% for 15 months from account opening
transfer intro aprNot Offered
transfer intro apr0% for 21 months from account opening on qualifying balance transfers|Transfer Fee:5% (min $5)
transfer intro apr0% for 15 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days, then up to 5% (min $5)
Can't find what you are looking for? Submit your question about Zales Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The easiest way you can pay your Zales Credit Card is either online or over the phone at (800) 695-0434. Alternatively, you can make a payment via mail.
How to Pay Your Zales Credit Card
Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
Over the phone: Call (800) 695-0434 to make a payment over the phone.
Via mail: To pay your credit card via mail, send a check or money order (but not cash) to the following address:
Comenity Capital Bank P.O. Box 659819 San Antonio, TX 78265-9119
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date.
The starting credit limit for the Zales Credit Card is determined on a case-by-case basis but some cardholders report limits as high as $1,500. The issuer does not include any specific Zales Credit Card credit limit information in the card's terms, though.
For the most part, the Zales Credit Card credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.
Unfortunately, you cannot get a cash advance with your Zales Credit Card. This card can only be used for purchases and only at Zales and their affiliates.
The fact that cash advances with a Zales Credit Card are not an option might actually be a blessing in disguise. Cash advances with a credit card are very expensive, thanks to a cash advance fee and a separate cash advance APR that apply as soon as you withdraw the cash. There may...
The only way you can check your Zales Credit Card application status is by calling (844) 271-2708. When you call, you'll need to provide your Social Security Number so that the issuer can match you to your application. The issuer does not allow you to check your application status online.
How to Check Your Zales Credit Card Application Status
Yes, the Zales Credit Card does a hard pull. You will need a credit score of at least 640 to get it. This means that your credit score must be at least fair, for higher chances of approval.
A hard pull usually causes an applicant's credit score to drop by a few points. Most people's scores, however, bounce back within a few months, with responsible use.
The credit score you need for the Zales Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Zales Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent...
Share your insights and review for the Zales Credit Card
5
38%
4
10%
3
23%
2
13%
1
18%
3.3
40 reviews
40 reviews
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Debra @debraf_52
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1 Star Rating
Verified Customer
I loved my zales card...I paid it off but there was some interest I didn't realize was there I thought I had a $0 balance so I got marked with a late payment after just paying $731 or I thought it was paid off...because of that I went from $2500 worth of credit down to $100...I had never been late and the time I was was a misunderstanding on my part...I felt like I was done very wrong...I should have never been taken down that much $2400 really????...i really wished I could have given 0 stars...that's been over a yr ago...and they still haven't raised my credit limit
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ll6 @ll6
I had the exact same thing happen. Mine went from $22,000 to $700! Never been late before and this was due to a disputed charge not taken care of. Horrible bank. No customer service
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Justin @jp3392973
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3 Star Rating
Verified Customer
Great card, besides interest rate is a little high. And there isn't Any rewards with having the card. I would recommend cars to other people though.
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0
Estrella Lauro @worengo5
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5 Star Rating
Verified Customer
Nice people to have a account with love the products and all the amazing things that they have for everyone to enjoy their time thanks
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0
Crystal @crystlou
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5 Star Rating
Verified Customer
I love the convenience of having my sales card and most of the time if you spend over a certain amount you qualify for 6 months 0% interest and that's very handy. They are also very generous with their credit limits.
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Esther @esthergdomingo
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5 Star Rating
Verified Customer
Zales offer Affirm as payment options with zero interest rate or a promo of a full year interest free with certain amount on the day of purchase
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0
0
Robin L Kalil @robincvt2b
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5 Star Rating
Verified Customer
I like having this card to afford my purchase from this jewelry store. I will take advantage again, as i have paid this account in full.
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0
0
MARCUS MANCHEGO @marc6981
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1 Star Rating
I setup an autopay in order to fulfill the 6 month promotion. got a text the day after my payment was due telling me that my payment is due?!? called cust svc to see what happened, they couldnt tell me why the autopay didnt take but offered to waive the late payment fee. Next day I see the late payment fee. THis card sucks
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1
0
Luther @jacksonlou83
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3 Star Rating
Verified Customer
My score dropped and so did my limit. Make this payments on time folks. Not a bad card but I only got it for a one-time use. I’m sure they’ll increase my limit as my score goes back up
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0
Cheryl @iwillpraisehimalwaz
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1 Star Rating
Verified Customer
Their billing system is pathetic; I paid the final balance mentioned above 7 weeks ago... the customer representatives deny the capability of accessing the account info. I'm done with Zales!!!
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Maurice @mauricejcity
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1 Star Rating
Verified Customer
They do not update your payment monthly, my info hasn’t updated since I received the card & I make the payments every month for 6 months as part of the special finance program to pay off the balance with 0%
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