Zales Credit Card

BreadFinance Pending

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5

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: zales-credit-card

Issuer: BreadFinance

Card Name: Zales Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:02

Last Scraped: Feb 15, 2026 09:31

Apply URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0

The Zales Credit Card does not charge an annual fee for card membership.

Lifestyle 1
Birthday Offer
Varies

Receive a special offer or discount during your birthday month as a Zales Credit Cardholder.

Shopping 3
Special Financing Options
Varies by promotion

Access to special financing options on qualifying purchases made with the Zales Credit Card. Specific terms and availability of financing offers may vary.

Exclusive Cardholder Offers
Varies by offer

Receive exclusive discounts, promotions, and special offers available only to Zales Credit Cardholders.

Advance Notice of Sales and Events
N/A

Get early access or advance notification of upcoming sales, promotions, and special events at Zales.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 24 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Zales credit card, issued by Bread Financial, primarily offers special financing options and exclusive cardholder benefits rather than a traditional sign-up bonus. Eligibility requires applicants to be 18 years or older, a U.S. resident, possess a valid Social Security Number, and meet Bread Financial's creditworthiness criteria. While store cards can sometimes be more accessible than general-purpose credit cards, a fair to good credit history is generally recommended for approval. Benefits typically include special financing on qualifying purchases (e.g., 0% APR for a specified period), exclusive discounts, birthday offers, and early access to sales events.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable for a traditional sign-up bonus. Promotional financing offers have specific spend thresholds and repayment terms, typically ranging from 6 to 36 months.

Shutdown Risk Triggers: High credit utilization across all Bread Financial (formerly Comenity) accounts, excessive applications for new credit within a short period, failure to make timely payments, suspected abuse of promotional financing terms, high cumulative credit limit across the Bread Financial portfolio, and any fraudulent or suspicious account activity.

Cliff Effect Rules: Not applicable in the traditional sense of a card family or tiered benefits. All benefits and promotional offers are tied specifically to the Zales credit card account and would be lost upon account closure.

Special Events: Annual Birthday Discount, Exclusive Cardholder Pre-Sales, Anniversary Offers, Special Financing Events (e.g., 0% APR for X months), Tiered Spending Rewards (if applicable to the 2026 program structure).

Holiday Promos: Valentine's Day (January-February), Mother's Day (April-May), Graduation Season (May-June), Black Friday/Cyber Monday (November), Christmas/Holiday Season (November-December), and various semi-annual or seasonal sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval, store discounts, special financing offers, good for building credit.

Top Negative:
High interest rates, limited use outside Zales, poor customer service, low credit limits.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne
  • Target RedCard
  • Petal 1 Visa

Card Value Score: 55.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0