Zales Diamond Credit Card

Synchrony Mastercard Pending

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10

Benefits

3

Reward Categories

10x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: zales-diamond-store-mastercard

Issuer: Synchrony

Card Name: Zales Diamond Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 16:47

Last Scraped: Feb 17, 2026 16:49

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides benefits to Servicemembers under the Servicemembers Civil Relief Act (SCRA). Eligible Servicemembers may have their interest rate on debt incurred prior to active duty reduced to 6% during their period of active duty.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Zales Purchases 10x Points Purchases made at Zales stores or zales.com No Cap
Gas & Groceries 2x Points Purchases made at gas stations and grocery stores No Cap
All Other Purchases 1x Points All eligible purchases made outside of Zales, gas stations, and grocery stores No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 0.5x

Bonus Rate: 2x

Categories: 2x Dining, Gas, Groceries; 1x Zales purchases

Quarterly Rotating: No

Expiration Policy: Points expire 24 months after the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards Certificates are valid for 90 days from issuance. Rewards Certificates cannot be used for prior purchases, layaway payments, or to purchase gift cards. Minimum redemption amount applies (e.g., 2,500 points for a $25 certificate).

Benefits & Protections (Detailed) 10 Total
PENDING
Lifestyle 1
Birthday Offer
Varies by offer

Receive a special offer or discount during your birthday month as a Zales Diamond Store Mastercard cardholder.

Purchase Protection 2
Extended Warranty
Up to 1 additional year

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when you pay with your Mastercard. Coverage limits apply.

Purchase Protection
Varies by card tier, typically up to $1,000 per claim

Reimburses you for eligible items purchased with your Mastercard that are stolen or damaged within a certain period (e.g., 90-120 days) from the date of purchase. Coverage limits apply.

Security 2
Mastercard ID Theft Protection™
N/A

Provides identity theft resolution services, including monitoring for suspicious activity and assistance with restoring identity. Enrollment may be required.

Zero Liability Protection
N/A

Protects cardholders from unauthorized purchases made with their card. Cardholders are not held responsible for fraudulent charges.

Shopping 4
Rewards Earning
1 point per $1 spent

Earn 1 point for every $1 spent on eligible purchases made with your Zales Diamond Store Mastercard.

Rewards Redemption
$25 certificate for 2,500 points

Receive a $25 Rewards Certificate for every 2,500 points earned. Certificates can be redeemed towards purchases at Zales.

Special Financing Offers
Varies by offer

Access to special financing promotions on qualifying purchases made at Zales. Terms and conditions, including minimum purchase requirements and deferred interest, apply.

Exclusive Cardholder Offers
Varies by offer

Receive exclusive discounts, promotions, and early access to sales specifically for Zales Diamond Store Mastercard cardholders.

Travel Assistance 1
Mastercard Global Service™
N/A

Provides emergency assistance services anytime, anywhere, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.

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
Penalty APR: 32.24%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 3.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Balance Transfer APR: 32.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Zales Diamond Store Mastercard, issued by Synchrony, primarily offers promotional financing on Zales purchases rather than a traditional points or cashback bonus. Eligibility requirements for the Mastercard version typically include being a U.S. resident, 18 years or older, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and generally having a good to excellent credit score (typically 670+ FICO). The card's main benefit is special financing offers (e.g., 0% APR for 6, 12, 18, or 24 months) on qualifying Zales purchases, exclusive cardholder discounts, and early access to sales events. These promotional financing offers are subject to specific terms and conditions, including minimum purchase amounts and deferred interest clauses if the balance is not paid in full by the end of the promotional period.

Max Cards Per Issuer: 3

Min Spend Interval: Not applicable for a traditional bonus; promotional financing applies to qualifying purchases made at Zales.

Shutdown Risk Triggers: Common triggers for Synchrony account shutdown include: high cumulative credit exposure across multiple Synchrony accounts, excessive credit seeking (numerous applications in a short period), defaulting on other Synchrony accounts or other creditors, suspicious or uncharacteristic spending patterns (especially if not Zales-related for the Mastercard version), manufactured spending (less common for this card but possible with the Mastercard), and significant negative changes to credit profile such as bankruptcy.

Cliff Effect Rules: This card does not typically have 'cliff effect' rules in the traditional sense, as it is not part of a complex card family with tiered benefits, upgrade/downgrade paths, or bonus eligibility restrictions like those found with major travel card issuers.

Special Events: Zales frequently runs special promotions tied to specific events such as their Anniversary Sale, Diamond Events, specific collection launches, and exclusive cardholder preview sales.

Holiday Promos: Key promotional periods for Zales include Valentine's Day, Mother's Day, Father's Day, Black Friday/Cyber Monday, the broader Christmas/Holiday Season, and other major retail holidays like Memorial Day and Labor Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Special financing offers for large Zales purchases; relatively easy approval for building credit; exclusive cardholder discounts.

Top Negative:
High interest rates after promotional period; limited rewards for general spending; customer service can be inconsistent.

Approval Experience: 72.5 / 100

Recommended Alternatives
  • Kay Jewelers Credit Card (Synchrony)
  • Jared The Galleria of Jewelry Credit Card (Synchrony)
  • Chase Freedom Unlimited (for general rewards and potential 0% intro APR)

Card Value Score: 68.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023