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Can You Use Zales Credit Card Anywhere

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Youll Love It If:

  • Youre Making a Big, One-Time Purchase : Its easier to digest the burden of such a large purchase if you can pay it off over time, which you can with your new Zales card. The terms even include 0% interest if you spend a certain amount and pay it off on time.
  • Zales Is Your Go-To Store: If youre a frequent buyer at Zales, you might as well build up your credit while you do it.
  • You Want to Enjoy 0% Interest: Bask in 0% interest for 618 months.

You Might Want to Pass On It If:

  • Your Credit Card has Better Benefits: If you already have a credit card with the same or better perks, we understand sticking with what you know.
  • You Rarely Buy Jewelry:If you dont plan on shopping at Zales often, you could skip the card.
  • You Have Cash for Your Purchase: Why finance when you can pay for your purchase upfront?

Does Zales Have A Layaway Program

Zales offers a Lease Purchase Program that lets you take your jewelry home today and pay for it in installments. Orders should be a minimum of $300 and youll have to put $79 down at the lease signing. The remainder of the lease payments will be determined upon item selection. You can also make purchases with the Zales Credit Card or Affirm.

Bogdan Roberts Credit Cards Moderator

The only store cards that can be used anywhere are known as co-branded or open-loop cards and belong to a major that grants them worldwide acceptance.

Zales Credit Card is designed as a financing option for Zales purchases. You get different payment plans depending on how much you spend. Bear in mind that the rates you get are deferred interest rates, so if you don’t pay in full by the end of your introductory term, an APR of 29.99% applies to your entire purchase. With regular 0% APR credit cards, your remaining balance starts accruing interest at the end of your introductory period.

Can you use store credit cards anywhere?

No, you cant use store credit cards anywhere. They only work at the merchants theyre connected with. For example, the Target Credit Card, is solely for Target purchases. Its not always one retailer, though. If multiple brands are owned by the same parent company, you should be able to use any one of their store cards for purchases from all of the brands. For instance, you can use the store version of the read full answerOld Navy Credit Card at Gap, Banana Republic and Athleta in addition to Old Navy. And you can use the at Hoot.com, Audible.com, Comixology.com along with other Amazon products and services.

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So Can You Use A Kay Jewelers Credit Card Anywhere

The simple answer to the frequently asked question of can you use a kay jewelers credit card anywhere? is Yes and No.

Yes, you can use Kay Jewelers credit card in all Kay Jewelers walk-in jewelry store locations in the US. You can also use the Kay credit card to purchase jewelry from their online store at kay.com if you prefer. However, you can not use Kay Jewelers credit card to buy other items in any other retail store or online trading portal.

More Questions About The Card

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Can I make a payment to my Zales card online?

Once you receive your card, you can register online and access your account 24/7. You can then easily make a payment to your account online.

How can I sign up for the no-interest financing plan at Zales?

You cannot sign up for special financing offers with Zales. Their promotional plans are offered to cardholders or to customers at checkout time when making a purchase.

Can I earn rewards by spending on the Zales credit card?

Purchases you charge on your Zales card do not earn rewards. However, there are special promotional offers and other sales especially for cardholders that may earn reward certificates.

Where can I use the Zales credit card?

Unfortunately, its a store-branded card issued by Comenity Bank and is not affiliated with a network such as Visa or MasterCard. It can only be used in store at Zales or online at Zales.com.

How do I to my Zales card account?

Its easy to login to your account. Simply go to the for the Zales card and either create an account or fill in your username and password.

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Who Issues The Zales Credit Card

Comenity is the parent company of Comenity Bank and Comenity Capital Bank and Comenity Capital Bank issues the Zales Credit Card.

Some report that if Comenity Bank approves you then you might have to put down money at the time of purchase. If Comenity Capital Bank approves you then you should get a standard credit line.

Comenity is also known for issuing various store credit cards, including:

  • Bed Bath & Beyond
  • LOFT
  • And many, many others.

I dont usually hear a lot of great things about the Comenity customer service but Ive never had a personal experience with them.

Is A Credit Card From Comenity Bank Right For You

There are countless options available for getting a credit card from Comenity Bank. Whether one is right for you depends on your credit history and financial goals. If youre primarily motivated by lucrative rewards and benefits, explore all of your options before settling on one.

If you plan on making an expensive one-time purchase, you may benefit from opening a Comenity Bank store card to get that big discount. But dont do it just because a sales associate is pressuring you in the checkout line.

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Here Are Some Comenity Bank Credit Cards That Are Easy To Get:

  • Zales Credit Card. Requires fair credit. $0 annual fee. 10% off all repair services. $50 off a $149+ purchase on your birthday. Deferred interest of 0% – 16.99% for 6 – 36 months. 29.99% regular APR. Free shipping and exclusive coupons.
  • Ann Taylor Store Card. Requires fair credit. $0 annual fee. 5 points per $1 spent at Ann Taylor family brands.
  • Jessica London Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent at any of the fullbeauty brands.
  • Torrid Credit Card. Requires fair credit. $0 annual fee. 1 point for every dollar spent at Torrid. 27.74% regular APR.
  • Petland Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent, up to 2,000 points per billing cycle . Exclusive discounts and promotional financing.

As you can see, these cards charge $0 annual fees, and all of them provide nice perks at their respective retailers. Comenity Bank also has quite a few store cards that require good credit for approval. They include cards tied to Orbitz, Williams Sonoma, Loft and Westgate Resorts. But if your score is below 700, its best to just stick with the cards for fair credit.

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No matter what you’re looking for in a credit card, the odds are fairly good you can find a better option than the Zales Credit Card, even for your Zales purchases. Even a basic rewards card will likely provide better savings, and a wide range of credit cards are available with 0% APR offers that can compete with the special financing offered by the card without that dangerous deferred financing.

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Heres Why You Cant Use Store Credit Cards Anywhere:

  • Store credit cards can only be used at the retailers theyre affiliated with, which may include more than one merchant.
  • The fact that store cards have limited acceptance is part of the reason theyre easier to get, generally requiring just fair credit for approval.
  • Store cards are not the same as co-branded cards. Co-branded cards are associated with a particular company or organization but also belong to one of the four major card networks. So you can use them anywhere that accepts credit cards.
  • The visual difference between store cards and co-branded cards is that co-branded cards feature the logo of a credit card network while store cards do not.

Many retailers actually offer two versions of their cards: one co-branded and another store-only. And theres often just one application. The issuing bank decides which one you get, if any, based on your credit standing. Youll generally need good credit or better to get a co-branded card. The Best Buy® Credit Card, for instance, requires good credit or better , but those with at least fair credit may qualify for the Best Buy® Store Card. You can check your latest credit score for free on WalletHub.

What is the easiest jewelry credit card to get?

With that said, lets take a look at the benefits and terms of some of the most popular jewelry cards.

Comenity Bank Credit Card Offers

On the Comenity Bank Secure Website

Key Benefits
  • 5% back in Rewards for every $1 you spend at Bed Bath & Beyond*
  • 2% back in Rewards for every $1 you spend on gas and groceries*
  • 1% back in Rewards for every $1 you spend anywhere else Mastercard is accepted
  • Special Financing for 6 or 12 months at Bed Bath & Beyond*
  • See site for details*

On the Comenity Bank Secure Website

Key Benefits
  • Advance notice of upcoming sales and events
  • Anniversary and birthday rewards

On the Comenity Bank Secure Website

Key Benefits
  • Earn 5 Rewards Points for every dollar spent in stores or online at LOFT, Ann Taylor, Lou & Grey, LOFT Outlet or Ann Taylor Factory Store
  • Receive a $5 Rewards Card for every 500 points earned
  • Enjoy a $15 Birthday Gift during your birthday month
  • See site for more details

On the Comenity Bank Secure Website

Key Benefits
  • 15,000 bonus points for PowerUp Rewards Pro and Elite Pro members. 5,000 bonus points for PowerUp Rewards Player members.**
  • 5,000 bonus points for every $250 you spend***
  • Use your card to shop in store or online
  • Choose to pay in full or make monthly payments over time
  • Exclusive cardholder offers

On the Comenity Bank Secure Website

Key Benefits
  • 5% back in rewards for every $1 you spend at Williams Sonoma
  • Free standard shipping
  • $25 Reward Certificate every time you earn $25 in rewards
  • $20 Welcome Certificate in the mail after you receive your new card
  • $25 certificate during your birthday month
  • See site for more details

On the Comenity Bank Secure Website

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What Are The Best Credit Cards From Comenity Bank

Each Comenity Bank credit card typically comes with some sort of incentive. Most frequently, youll be given a discount on your first purchase, usually ranging between 10% and 20%. After that, you may be sent certain offers and discounts throughout the year.

Some may have better benefits than others, depending on the store credit card. After all, not all participating stores are owned by the same company, so theyll each have a different strategy for their cardmember perks.

If thats your primary reason for opening one or more Comenity Bank store credit cards, do your research in advance to find out which ones give the best rewards. Here are a few of our favorite Comenity Bank cards in terms of the most significant benefits offered to cardholders.

Zales Credit Card Application

Heres a breakdown of the Zales credit card benefit.

  • No down payment Everyday Promotional Plans
  • Receive exclusive cardholder coupons, jewelry inspection reminders and cleaning notifications via email** throughout the year
  • $50 Off a purchase of $149 or more on your birthday
  • Free standard shipping

You can find the Zales credit card application here.

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Zales Card Overall Rating: 17/50

Unlike the vast majority of store credit cards, the Zales Credit Card doesn’t offer cardholders any purchase rewards. Instead, the card’s main focus is special financing. So, given that the financing options available to Zales Credit Card users are the card’s primary offering, you’d think that they would be, well, better.

Unfortunately, the financing deals are only really deals under the right circumstances. For example, if you need longer than 18 months to pay off your purchase, you won’t receive the 0% APR offer, instead paying 9.99% APR for up to 36 months. And each time you use the 12- or 18-month financing options, you’ll be charged a $9.95 transaction fee.

Zales Credit Card

  • 29.99% as of Jul 2019
  • Annual Fee: $0
  • Rewards: Get special financing on qualifying purchases

And it gets worse from there. Unless you can completely pay off your entire purchase amount before the end of your promotional period or you make even one late payment you’ll be charged interest on the entire purchase amount. And that 9.99% rate looks downright generous next to the 29.99% APR you’ll be charged for regular and deferred interest.

Beyond the financing, cardholders do get a handful of other benefits, including free standard shipping for online orders and a $50 off birthday coupon. Cardholders can also receive exclusive coupons, jewelry inspection reminders, and 10% off repair services charged to their Zales Credit Card.

Zales Credit 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.

The first way to pay your credit card from Zales is to do so online. You can do so via the online banking of Comenity, and this tends to be the easiest way of paying this card. For this, you should follow the instructions from the previous Login section.

Another way to pay your Zales card is to do so via a phone call. For this purpose, you should call 1-844-271-2708 and express your wish to pay this credit card to the operator. Then, follow the instructions from the operator and pay your card.

After all, you can make a payment on your credit card . For that, you should specify the purpose of payment and send it to the following address:

San Antonio, TX 78265-9728.

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Does Zales Have A Sign Up Discount

Yes! When you sign up for Zales newsletter email, youll get $50 off your next order of $300+. Just submit your email at Zales to get this offer. Zales will then send you a code with an in-store barcode that you can use online or at any Zales store. This discount may not be combined with other Zales coupons.

Easiest Jewelry Credit Cards To Get:

Can I Use My Rooms To Go Credit Card Anywhere
  • Helzberg Diamonds Credit Card: $100 in store reward when your card arrives in the mail. $50 off $249+ purchase during the first year, on your birthday. 0% – 9.99% for 6 – 36 months deferred interest. 28.49% regular APR. Up to $25 discount on purchases made during the holidays. $0 annual fee. Fair credit needed.
  • Zales Credit Card: 10% off repairs. $50 off $149+ purchase on your birthday. Free shipping. 0% – 16.99% for 6 – 36 months deferred interest. 29.99% regular APR. Exclusive coupons by email. $0 annual fee. Fair credit needed.
  • Iddeal Jewelry Credit Card: Flexible payment plans to help pay off your jewelry purchases. $0 annual fee. Fair credit needed.
  • Maui Divers Jewelry Credit Card: $0 annual fee. 0% for 12 – 36 months deferred interest on purchases. 28.99% regular APR. Fair credit needed.
  • Gordon’s Jewelers Credit Card: $50 off a purchase on your birthday. Free shipping. 10% off repair. 0% – 9.99% for 6 – 36 months deferred interest. 29.99% regular APR. Exclusive coupons by email. $0 annual fee. Fair credit needed.
  • The Jewelry Exchange Credit Card: 0% for 6 months deferred interest. 29.99% regular APR. Annual fee: $0. Fair credit needed.
  • Riddle’s Jewelry Credit Card: 0% – 9.9% for 6 – 36 months deferred interest. 28.99% regular APR. Promotional offers at certain stores. $0 annual fee. Fair credit needed.

What Comenity Bank credit cards are easy to get?

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Why This Is All Such An Issue

A lot of people dont understand how deferred interest works, so they end up signing up for these programs without even knowing what they are getting themselves into.

Then they miss a payment or dont pay off their balance 100% and the next thing they know, they feel like theyve been blind-sighted with a $2,000 surprise bill.

And then theres a lot of people also dont have experience in dealing with deferred interest or even credit cards in general for that matter.

All it takes is you getting a little sloppy with your record keeping or organization for you to make a simple mistake that could cost you thousands of dollars.

So unless youre a very organized and disciplined person, you may not be the best fit for a deferred interest payment plant.

You can read more about deferred interest here.

What Others Say About The Zales Credit Card

The most common complaint about the Zales Credit Card is that its customer service is severely lacking. A goodly number of reviewers also found fault with how the credit card’s promotional financing was explained to them in-store, particularly that the card’s deferred interest policy was not disclosed by the sales associate at sign-up.

A review from CreditKarma.com says:

This card is very INCONVENIENT. The website doesn’t allow you to set up MONTHLY autopay. You must manually log in once a month by your due date to schedule a payment. Only one payment is allowed every 30 days!! So users beware if you’re taking advantage of 6 months no interest same as cash! My best advice: use your personal online banking account and schedule monthly auto payments a week before they’re due!! I have several credit cards and ALL of them allow you to set up AUTOPAY!! It’s ridiculous and a SCAM really so that you get hit with all that interest at 29%+ when you don’t pay off and/or monthly late fees because their WEBSITE/CUSTOMER SERVICE stinks. I called to complain and the Comenity associate assured me that AUTOPAY was an option. TOTAL LIE! I scoured all the payment options. ONE TIME PAYMENT, MAIL, or PAY BY PHONE is all that is allowed.

A review from WalletHub.com says:A review from ConsumerAffairs.com says:

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