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How Does Zales Rewards Program Work?

Zales offers quality, conflict-free diamonds at incredible rates. Get dazzling diamonds and fine jewelry at great costs that you can spread out with one of three payment and rewards programs. Enjoy great benefits and rewards by applying for a Zales Diamond Credit Card. Also, spread out the costs through their Affirm or Lease Purchase Program. 

Combine these programs with coupons and other discounts to increase the savings you enjoy and help you spread out the cost. 

How to save when shopping at Zales?

While Zales does not have a rewards program that gives you money or discounts for being a loyal shopper, they have frequent sales and promotions. You can sign up for the Zales newsletter or receive Zales text alerts to stay up-to-date about the latest offers. 

We always put together the most comprehensive list of available promotions and coupons at Zales in one place. Visit this page before you checkout to find the available promotions. 

Benefits of applying for a Zales Diamond Credit Card 

There are many benefits of applying for a Zales Diamond Credit Card. If you or your loved ones adore diamonds and fine jewelry, you can spread out costs and enjoy unique cardholder discounts by having and using the Zales Diamond Credit Card. 

Special financing programs 

The biggest benefit of applying for a Zales Diamond Credit Card is choosing from various 0% interest special financing options. These plans allow you to spread big-budget costs in 6, 12, or 18 installments. The interest rate on these purchases is 0% if you pay back in full by the end of the promotional period. 

6-month financing 

The 6-month financing option allows you to pay off your purchase amount in 6 installments. If you pay the six installments without delay, you won’t pay any interest. The minimum purchase to apply for the 6-month financing offer is $300. 

12-month financing 

You can pay off a purchase of at least $750 or more in 12 installments with 0% interest with the 12-month financing plan. 

18-month financing 

Pay your big-budget purchase back in 18 installments. Just as with the other financing programs, if you pay back your purchase within 18 months, you pay 0% interest. The minimum purchase to qualify for the 18-month financing program is $3000. 

36-month financing 

For purchases of $1500 or greater, choose the 36-month financing option. This option does include interest. For the first 36 months, the interest rate is 16.99% APR. After 35 months, the purchase APR increases to 29.99%. 

What happens if I don’t pay back my purchase in full within the promotional period? 

You will want to make sure that you pay back the full amount before the promotional period ends. If you do not pay back the full amount, you will be charged the full interest from the purchase date. This means if you do not pay back the purchase in full by the end of the promotional period, you will have 6, 12, or 18 months of interest to pay off on top of your remaining balance. 

Get $50 off for your birthday 

Cardholders get a $50 discount from qualifying purchases for their birthday every year. You can use this special discount code during the whole month of your birthday. To receive this $50 discount, you must have purchased something in the previous 12 months and at least one month before your birthday. Your account cannot be in default. 

Free Standard Shipping on all purchases 

Cardholders enjoy free standard shipping on all purchases. Standard shipping is available in the U.S. and U.S. territories. Standard shipping takes between 3 to 5 business days to arrive. 

10% off repairs and services for cardholders 

Cardholders can enjoy 10% off all services. This includes repair and other services like cleaning or inspection. Services are available for jewelry and watches. You cannot apply the 10% off services with any other discount or promotional code. 

Enjoy exclusive cardholder coupons and other offers 

Cardholders enjoy exclusive coupons and discounts. Also, receive inspection and cleaning reminders to help you get the most out of your fine jewelry and diamonds.  

How does the No Credit Needed Lease Purchase Program work? 

Though the lease-purchase program does not offer additional rewards, it does offer Zales customers the ability to spread out the cost of big-ticket items. The lease purchase program is flexible over the 12 months. You can pay installments weekly, bi-weekly, or monthly. You can even pay off early with the 90-day purchase option. 

You will need to apply, be approved, and pay an initial $79 payment to sign on to this program. You don’t technically own the item until you make your final payment. The full cost of the lease-to-own program is higher than the item’s retail price. Though you pay more, spreading out the costs makes many Zales products more accessible. 

How does the Affirm payment program work? 

Zales has partnered with Affirm to help you spread out the costs and afford beautiful Zales jewelry. To choose Affirm, shop online and select Affirm at checkout. If shopping in-store, you will need the Affirm App and make an application online. If approved, you will be given a one-time-use virtual card in the Affirm app to finalize your purchase in-store. 

If approved, choose your payment plan (3-months, 6-months, or 12-months). You can alternatively choose a split pay option. This split pay option allows you to make four interest-free payments for purchases between $150 to $400.