Zales Credit Card
This card is for shoppers financing a ring or other larger piece at Zales who can clear it inside a promo window. Plans run from no interest if paid in full within 6 months on $300 or more to 18 months on $4,000 or more, or 16.99% APR for 36 months on $1,500 or more. Every dollar earns 1 Gem in Vault Rewards. The caveat: the no-interest plans are deferred interest with a 2% promotional plan fee, and the purchase APR is 35.99%.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Promo lengths from 6 to 18 months depending on the purchase size
- Fixed-rate 36-month plan at 16.99% APR on $1,500 or more
- Vault Rewards Gems on every dollar
- Paperless statements avoid the $2.99 monthly paper statement fee
- Annual fee: None in the issuer's terms for new accounts
- Regular purchase APR: 35.99%
- Penalty APR: Up to 39.99% Variable
- Promotional plan transaction fee: 2% of the promotional plan purchase
- Paper statement fee: $2.99 a month, avoided with paperless statements
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- You are buying one large piece at Zales and can pay it off within 6, 12 or 18 months.
- You want a fixed 16.99% APR over 36 months instead of deferred interest.
- You shop at Zales again and want Vault Rewards Gems.
- You should skip it if you might not clear the promo in time: interest runs from the purchase date, the 2% plan fee is added, and the standard APR is 35.99%.
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Your guess: 700
Approved at 670 to 739
Approval results for this card
74 results: 59 approved, 15 denied. Approval rate 80% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Experian | - | TX | Apr 2015 |
| Approved | 580 to 669 | Experian | - | MI | Jan 2014 |
| Approved | 670 to 739 | Equifax | - | TX | May 2012 |
See all 74 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
