Another good alternative to the Zales card would be the Citi Double Cash Card. Not only will you earn money with all your purchases, but they will also double if you pay. This means you will receive 2 percent back for your jewelry purchases! To get the most out of this card, you need to be smart as you use it. If you select one of the deferred interest offers, you must pay the full balance before the end of the promotional period. If you don`t, you pay interest that goes back to your purchase date, which could be in the hundreds of dollars. You cannot sign up for special financing offers from Zales. Their advertising plans are offered to cardholders or customers at the checkout when they are purchased. If you make a late payment on the card or if your payment is refunded, you will be charged the payment fee for the first event. If you make another delayed/refunded payment within six billing periods, the fee is increased.

The exclusive coupons of cardholders might have value, but at Zales, there are many special offers that are often offered to the public in their flyers and on its website. For example, there is currently a sale on their site with 30 percent off on each purchase and sapphire earrings, which is usually $99 on the special for $19.99. The Zales card may seem like a great idea if you are looking for a way to pay for the jewelry, but we need to take a closer look at the benefits of the card to see if it`s worth getting them. For questions, call Comenity Capital Bank at 1-844-271-2708 (TDD/TTY: 1-888-819-1918) or visit comenity.net/zales and go to the help page and select bank transactions and statements. Can I earn rewards by unlocking the Zales credit card? You will find other cash-back cards under the recommendations of our experts. Pay online after registering your account with comenity.net/zales. Post box 659819; San Antonio, TX 78265-9119.See your billing sheet for all payment options and details The Zales Diamond Card, issued by Comenity Bank, is a standard store credit card that is good for purchases in Zales stores or online from Zales.com. If your goal is to buy diamonds and other jewelry with special internal financing offers, it may be worth getting this card. Just be aware of gotchas interest rates and fine print. A simpler secure card that doesn`t deserve rewards, but certainly one that will help you build a credit story is The Platinum Credit Card from Capital One. The card has no annual fee and you have access to a higher credit limit after making your first five payments on time.

If you can qualify for another credit card, you probably shouldn`t receive the Zales credit card. There is no compelling reason to get a severe demand on your balance for a card that lacks benefits and rewards. Similarly, the 0% APR period on the Blue Cash Everyday card does not work as Zales postpones the interest rate promotion plan. No interest is accrued during the 0% APR period, so if the balance is not paid before the end of the period, only the remaining balance is paid. No interest is collected if the balance is paid in full on the reference date. If your application is approved immediately, you will have immediate access to your balance.