Zales Credit Card

Zales Credit Card is a Store Credit Cards.

Zales Credit Card is designed for frequent users of Zales. This card is specially designed for people looking for cheap jewelry. High-end jewelry is not purchased on a small scale and seldom discounted. So when birthdays, anniversaries and holidays come, many people are looking for ways to save money on jewelry gifts. If your credit score (660 +) is excellent, you may consider using Zales credit card. The standard rate of interest on Zales Credit Card is 29.99%, but if you pay off the balance within 6 to 12 months (the minimum purchase amount is $500), this credit card will not provide interest credit, which is the only "reward" of the card.

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Zales Credit Card List

Zales Credit Card

Zales Credit Card is designed for frequent users of Zales. This card is specially designed for people looking for cheap jewelry. High-end jewelry is not purchased on a small scale and seldom discounted. So when birthdays, anniversaries and holidays come, many people are looking for ways to save money on jewelry gifts. If your credit score (660 +) is excellent, you may consider using Zales credit card. The standard rate of interest on Zales Credit Card is 29.99%, but if you pay off the balance within 6 to 12 months (the minimum purchase amount is $500), this credit card will not provide interest credit, which is the only "reward" of the card.

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Zales Credit Card Financing Offers

ZERO DOWN PAYMENTS EVERY DAY

No Interest if paid in full within 6, 12 or 18 months.


Alternatives

If you want more cash back, you can choose Town Bank Cash Back American Express Card.

Town Bank Cash Back American Express Card

  • Earn 1.5% cash back on purchases
  • Receive a statement credit automatically every time you earn $25 in cash back
  • Rewards earned never expire!
  • A one-time $50 automatic statement credit when you spend $500 in the first 3 billing cycles
  • No Annual Fee

If you want to save money in your common purchases, you can choose Town Bank Cash Back American Express Card.

Town Bank Cash Back American Express Card

  • Earn 1.5% cash back on purchases
  • Receive a statement credit automatically every time you earn $25 in cash back
  • Rewards earned never expire!
  • A one-time $50 automatic statement credit when you spend $500 in the first 3 billing cycles
  • No Annual Fee
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What Credit Cards Are Available? (1)

Zales Credit Card Zales Credit Card
Sing-Up Bonus Yes
Annual fee $0
Benefits
$50 birthday discount
Exclusive cardholder coupons, jewelry check, and clean email reminders
Free standard delivery
The Zales credit card offers 10% maintenance
Promotional financing
Zero advance payment through promotion plan

What is a store credit card?

The only difference between store credit cards and regular credit cards is that store credit cards are branded and associated with a specific retailer and its rewards program. Store credit cards offer in-store discounts, allow cardholders to earn and redeem points when making purchases.

There are two basic types of retail store credit card:

  • Open-loop cards: These cards with a Visa, MasterCard or American Express logo in the bottom-right, can be used anywhere.

  • Closed-loop cards: These cards without a Visa, MasterCard or American Express logo only can be used at their co-branded stores, online stores or affiliates.

For example, there are three types of Best buy credit cards, My Best Buy Credit Card, My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card. My Best Buy Credit Card is a closed-loop card, so you can only use it at Best Buy. My Best Buy Visa Platinum Credit Card and My Best Buy Visa Card are open-loop cards, you can use them anywhere that Visa is accepted.


What are the benefits of store credit cards?

Easy to get and can help you to build credit

Because of store credit cards’ high interest rates and low credit limits, they are easy to get with fair or poor credit. If you can use it responsibly, this is an opportunity to build up your score.

A reasonable annual fee

Many great store rewards cards don’t have an annual fee.

Save money at your favorite stores

Store rewards cards have different rewards programs which are great ways to save money, especially you are a frequent customer of that shop. For example, My Best Buy Credit Card offers as much as 5% cash back.

Additional sign-up bonuses and benefits

Many store reward cards attract new customers with a sign-up bonus. What’s more, some store reward cards offer extra benefits, such as discounts, free shipping, a birthday gift and extended return policies.

Open-loop cards can be used anywhere as normal credit cards.

What are the drawbacks of a store credit card?

Low credit limits

This means that you have the risk of going over your credit limits.

High interest rates

Most store credit cards’ interest rates are higher than the industry average (17%).

Closed-loop cards are limited to single store

Many store credit cards can only be used at their store or online shop. But some store credit cards can be used anywhere like normal credit cards, such as Amazon Prime Rewards Visa Signature Credit Card.

Customer service problems

Some store credit cards are not issued by major cards issuers, so the quality of customer service is difficult to guarantee.

Some store credit cards can’t be used for balance transfers

What do you need to apply for a store credit card?

Credit score

Banks approve much lower credit scores for store cards. Therefore, applying a store card is an ideal way for someone with a fair or poor credit score to rebuild his or her credit.

Credit card application

You can apply for a store credit card online, in-store or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.

About credits-life

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why credits-life born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.

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