Zales The Diamond Store Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

32%

APR From
Basic Information
PENDING

Program ID: zales-the-diamond-store-credit-card

Issuer: Synchrony

Card Name: Zales The Diamond Store Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 16:49

Last Scraped: Feb 17, 2026 16:51

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony provides SCRA benefits including a reduction in interest rate to 6% on eligible accounts, protection from default judgments, and other relief for eligible servicemembers and their dependents.

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) 2 Total
PENDING
Financial 1
No Annual Fee
$0 Annual Fee

The Zales The Diamond Store Credit Card does not charge an annual fee for card membership, allowing cardholders to maintain their account without recurring costs.

Shopping 1
Special Financing Options
Varies by promotion

Cardholders may be eligible for special financing promotions on qualifying purchases made at Zales. These offers can include deferred interest periods or promotional APRs, allowing customers to pay for their purchases over time under specific terms and conditions.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 31.99% - 31.99%

Cash Advance APR: 31.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 60 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Supported
Application Process
Available
Available
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility: Applicants must be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Approval is subject to a credit history review. Bonus Rule: The primary benefit is access to special financing offers, such as deferred interest promotions (e.g., 0% APR for X months if paid in full) on qualifying Zales purchases. There are typically no traditional sign-up bonuses (cash back, points) for this store card. Application Rules: Applications can be submitted online via the Zales website or in-store, often with an instant credit decision.

Max Cards Per Issuer: 4

Min Spend Interval: Not applicable for traditional sign-up bonuses. Promotional financing terms vary (e.g., 'no interest if paid in full within 6, 12, 18, or 24 months').

Shutdown Risk Triggers: High credit utilization across multiple Synchrony accounts, late payments or defaults on any Synchrony-issued card, exceeding internal credit exposure limits with Synchrony, suspicious activity or potential fraud, extended periods of account inactivity.

Cliff Effect Rules: Not applicable in the traditional sense of a card family. The 'cliff effect' for this card would be the loss of Zales-specific financing options and exclusive cardholder promotions upon account closure.

Special Events: Diamond Days Sales, Anniversary Sales, Birthday Discounts, Exclusive Cardholder Previews, Trunk Shows, Friends & Family Events.

Holiday Promos: Valentine's Day (January-February), Mother's Day (April-May), Father's Day (May-June), Black Friday/Cyber Monday (November), Christmas/New Year (December).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval process, special financing options for large purchases, exclusive Zales discounts.

Top Negative:
Very high interest rates, limited use outside Zales, poor customer service experiences with Synchrony, difficult to manage account.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Discover it® Secured Credit Card
  • Chase Freedom Unlimited®
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $15.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0