Details of Pros

0% deferred APR deals: This card does offer 0% interest on six, 12, and 18 month promotional credit plans.1 These offers are common among jewelry store credit cards, but Zales has the advantage in that it doesn’t require a down payment like some competitors do.  

Low APR when you pay over 36 months: This card also gives you the chance to pay just 9.99% interest for 36 months on purchases of at least $1,500.1 This rate is well below the average APR for all credit cards, according to The Balance’s research. 

Cardholder perks: Cardholders qualify for a yearly $50 birthday discount, 10% off repairs and service, and free standard shipping on purchases made with the Zales card, in addition to coupons and emails reminding you to clean or inspect your jewelry throughout the year. 1

Details of Cons

Deferred interest: If you do opt for one of the promotional 0% plans, note that you’ll be charged deferred interest if you don’t pay off your balance before the introductory offer ends—or if you make a late payment.1 Deferred interest means financing charges dating all the way back to your purchase date 

Financing fees and restrictions: While you can secure 0% APR on promotional credit plans for six, 12, or 18 months, the plans for 12 or 18 months come with a $9.95 fee per transaction. Also note the minimum spending requirement for these plans—$300 for the six-month plan, $750 for the 12-month plan, and $3,000 for the 18-month plan.1

High ongoing APR: Outside of promotional credit plans and special financing offers, this card comes with a variable purchase interest rate of 29.99%.1 That’s a pricey rate, considering The Balance’s calculations put the average interest rate for all credit cards at around 20%.


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Zales Diamond Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Related Credit Card/Article

Zales Diamond Card
The Zales Diamond Card, which is issued by Comenity Bank, is a standard store credit card good for purchases in Zales stores or online at Zales.com. If your goal is purchasing diamonds and other jewelry with special, in-house financing offers, getting this card may make sense. Just be aware of interest rate “gotchas” and fine print.
Zales Diamond Card

Who Is Zales Diamond Card Best For?
The Diamond Card is aimed squarely at customers of Zales who want to score special financing at the time they're buying jewelry from Zales. The finance offers may be attractive, especially if you don't have another way to finance your purchases. But the deals feature deferred interest, which

How to Apply For Zales Diamond Card

If you don't have this credit card yet, you can submit an application online. But before doing so, make sure that you match the following criteria:18 years old or more/Being a U.S. citizen/Have a credit score of at least 660.If all that is in place, then you can try submitting an application onl

How to Get the Most Out of Zales Diamond Card
To get the most value out of this card, you'll need to be smart about how you use it. If you choose one of the deferred interest offers, be sure to pay off the entire balance before the promotional period is over. If not, you'll pay interest charges dating all the way back to your purchase d

Zales Diamond Card Payment
Actually, there are three different ways to pay your credit card from Zales. In this section of our Zales credit card review, we will disclose how you can pay your credit card.OnlineThe first way to pay your credit card from Zales is to do so online. You can do so via the online banking of Comenity,