Zales Credit Card
Basic Information
Program ID: zales-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:02
Last Scraped: 01/15/2026 10:36
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $250.00
Time Period: 60 days
Bonus Timing: Typically applied as a statement credit within 1-2 billing cycles after the qualifying purchase is made and posts to the account, or as an immediate discount at point of sale.
Rewards Program
Reward Type: Store Discounts & Special Financing
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: Zales purchases (for special financing offers and exclusive cardholder discounts)
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Benefits are typically immediate discounts or financing terms, not accumulating points.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 640 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Zales Credit Card (BreadFinance) in 2026 typically requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a stable income. A fair to good credit score (generally 640+) is often preferred for approval, though BreadFinance may approve applicants with lower scores based on overall credit profile. New account holders commonly receive a one-time discount (e.g., 10-20% off their first qualifying purchase) or special promotional financing offers (e.g., 0% APR for 6-12 months on qualifying purchases). The card is primarily restricted to purchases made at Zales stores or Zales.com.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Special financing offers typically require a minimum purchase amount (e.g., $300-$500) to qualify for promotional APR periods (e.g., 6, 12, 18 months). There is no traditional 'minimum spend' interval for a sign-up bonus, as bonuses are usually immediate discounts or special financing terms.
Shutdown Risk Triggers: High cumulative credit limit across multiple BreadFinance/Comenity cards, extended periods of inactivity (e.g., 12-24 months without a purchase), missed payments, defaulting on special financing terms, suspected fraudulent activity, significant changes in credit profile (e.g., multiple new accounts, high utilization on other cards), or repeated balance transfers from other BreadFinance cards.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for Zales purchases, special financing options available, occasional store discounts.
Top Negative Feedback:
High APR, limited to Zales purchases, frequent complaints about Comenity customer service, deferred interest can be problematic.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Credit Card
- Kay Jewelers Credit Card
- Discover it Secured Credit Card
Card Value Score: 45.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store
Risk Assessment
Default Risk Group: High
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023