Zales Credit Card Review

When you are looking for an important item of jewelry such as wedding rings or something to commemorate a birth, graduation or other important life event it can be very tempting to go deeply into debt for just the right item. This is doubly true when you find yourself offered what seem to be generous credit arrangements at a top-notch jewelry chain such as Zales.

Is this diamond store's card really a good opportunity for jewelry purchases? In this Zales Credit Card Review, we will explore this question. Read on to learn more.

Who Should Not Use The Zales Card?

  • This card is not a good choice if you are struggling to make ends meet.
  • Don't intend to buy jewelry more than one time

With the sketchy customer service and the extremely high interest, you would run a very big risk of ending up paying far more for your purchase than you ever intended to.

If you have a big event (e.g. your wedding) coming up and you need an important piece of jewelry, you would be wiser to seek out a family heirloom, settle for a less expensive item for which you can pay cash, or use a general credit card that offers you better terms and interest rates.

In this case you may be interested in other department store credit cards​ such as the Sears credit card.

Who is Zales Credit Card Ideal For?

  • Someone who uses and purchases a lot of jewelry
  • Able to pay off balances quickly

The Zales card is a convenient option for people who are able to pay off the balance quickly and completely. Because of the customer service issues, it would seem that it's best if you can pay off the card balance almost immediately to avoid misunderstandings, confusion and high charges.

If you have a generous income that would allow you to pay large amounts of money for nonessential items such as jewelry, the Zales card would be a good card to have just for shopping in their stores or online because of the jewelry cleaning and repair perks.

A Closer Look At The Credit Card

When it comes to jewelry, Zales is an excellent company to do business with. They are long-standing, well-established, trusted company that produces high quality jewelry and takes care to follow all regulations and guidelines regarding problematic issues such as conflict diamonds.


  • Easy Approval
  • No monthly interest when following the terms and conditions. See below.
  • Free jewelry cleaning and inspections
  • Discounts on jewelry repairs


  • High interest 28.99% APR
  • Zales customer service

The Zales Diamond Store's credit is issued by Citibank.

It's easy to apply for a Zales card and easy to get approval. This makes it a good card to use to build credit as long as you are able to do so responsibly.

While Zales is an excellent jeweler, it is really not such an excellent credit card provider. The interest rate on Zales credit card purchases is phenomenally high, weighing in at 28.99% APR.

While the coupons and promotional financing deals seem to be very good, it's important to remember that the "no interest" part of the deal only applies if you pay off your total balance within a given period of time. If you fail to do so, you will have to pay that 28.99% interest retroactively. That's a hefty chunk of change!

Zales credit card customer service is notoriously bad. Customer complaints are generally negative and sometimes extremely negative with customers stating that their needs simply were not acknowledged, addressed or met and that their payments are not correctly credited.

Zales Credit Card High Points

The Zales in-store card can be a handy card to have for shopping at exclusively at Zales, Zales Outlets, Piercing Pagoda and Gordon's both in the real world and online. The card features no annual fee and you can purchase optional credit insurance if you wish. You can make payments in store or online, and you can add an authorized user free of charge.

Zales Cardholder Benefits List

Special features of this card include:

  • 10% off the cost of any jewelry repairs when you use your Zales card to pay for repairs
  • Free jewelry cleaning & inspection
  • Free shipping to store locations
  • Lifetime diamond commitment
  • 60 day satisfaction guaranteed

Additionally, the card provides for zero liability on unauthorized purchases.

Receive Exclusive Zales Coupon Offers

The standard Zales financing plan requires no minimum purchase and no money down. Exclusive coupons for cardholders include:

  • No interest on balance paid in full within six months with a minimum purchase of $150 and no down payment required.
  • No monthly interest on balances of at least $1000 paid within a year. For this deal a 10% down payment is required.
  • Zero down and no monthly interest on purchases of at least $3000 if paid in full within 18 months. No down payment is required for this offer.

These are just a few of the current coupon offers, these offers may vary from time to time.

How Best To Use The Zales Card

The Zales card may be a good card to have on hand for boosting your credit rating. The way you would do this is use the card every once in a while to make a small purchase that you can pay off quickly. In this way, you can demonstrate that you are able to handle your credit responsibly.

Additionally, having extra credit on your Zales card that you are not using is a point in your favor in maintaining good credit. If you make a larger purchase using your Zales card, be sure to pay it off in full in the time allowed. If you are not able to do this in cash, then it might be better to transfer the balance to a general credit card that has a lower interest rate.

When you visit the Zales credit services page, you will also find convenient links to general information, bill payment and account management, contact information and forms, and interesting articles about a wide variety of jewelry related subjects. Tabs at the top of the page make it easy to shop online for just the type of jewelry you have in mind.

How To Apply for Zales Credit Card

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Here you will also find convenient links to general information, bill payment and account management, contact information and forms, and interesting articles about a wide variety of jewelry related subjects. Tabs at the top of the page make it easy to shop online for just the type of jewelry you have in mind.

Apply For A Zales Credit Card

Speed up approval times you will need:

  • Full name & Address
  • Financials (income & residential status)
  • SSNThere is a checkbox at the bottom of application that you can select to enroll in paperless billing.

Once approved you should get your card within 12 weeks (14 days).

How To Access Your Zales Account Online

There are 2 tabs which will take you to your account when visiting the credit services page. They are labeled “Pay Bill Online” and “Manage Account”.

Zales Bill Pay * Login Buttons

If you haven’t enrolled yet, you can do so via the button that says “Register Now”.

After you pass the standard login screen, you can make a Zales credit card payment and view your account status. Were you unable to access your account? Perhaps you forgot your User ID or Password?

Final Thoughts

When thinking of making any purchase, it's always wise to consider all of your payment options. While it's very easy to finance any and all of your purchases these days, this is generally not a wise way to go. Think long and hard about whether or not you really need to go into debt to buy an item of jewelry.

Remember that the jewelry that commemorates the most important moments of our lives is symbolic of the importance and meaning of the event. It should not overshadow the event itself. If purchasing jewelry on the Zales credit card would cause you hardship, you would be wiser to make a more comfortable and affordable option. You can always upgrade later when times are better.