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¹Minimum purchase amount does not include taxes and shipping. Qualifying cardholders received redemption details via email and/or direct mail during the offer period. Discount will not be applied until the Zales Card is selected as Payment Method and the Zales Card number is entered. Cannot be combined with other offers. Valid one time only. Duplicate offers will not be accepted. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. Offer excludes From This Moment and Lab-Created Diamonds solitaire rings, timepieces, smart watches, specially priced items, Charms, Internally Flawless, Zales Signature, Stellar Allure, Trend Spotlight, Whimly, Zales Essentials, clearance, closeouts, pre-loved jewelry, pre-loved watches, customized items, Diamond Events, Piercing Events, charity items, loose stones, gift cards, repairs, protection plans, jewelry cleaner, and prior purchases. Offer excludes certain new items, designer brands and licensed or exclusive collections. Offer cannot be combined with any other offer or coupon. Promotions, prices, styles, and availability may vary by store and online. See Jewelry Expert for details. Offer valid 10/2/25 - 10/30/25 at 11:59 PM CST.

²Offer only available at Zales and Zales Outlet stores. Qualifying cardholders received redemption details via email and/or direct mail during the offer period. Cannot be combined with other offers. Valid one time only. Duplicate offers will not be accepted. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. Available in-store only towards a repair service when payment is made in full. Repair Service discount cannot be redeemed on loose diamonds or gemstones, protection plans, purchases made with trade-ins, or on previous repair services. Any fine jewelry qualifies for this offer - we work on all gold, platinum, and sterling silver jewelry. Purchase must be made in-store with your Zales Credit Card. Discount will not be applied until the Zales Credit Card is selected as a Payment Method and the card number is entered. See Jewelry Expert for details. Offer valid 10/2/25 - 10/30/25.

³Offer only available at Zales and Zales Outlet stores. Qualifying cardholders received redemption details via email and/or direct mail during the offer period. Cannot be combined with other offers. Valid one time only. Duplicate offers will not be accepted. Offer will not be re-issued if lost, stolen or destroyed or with return/refund of merchandise. Available in-store only towards a Custom Design item when payment is made in full. Custom Design discount cannot be redeemed on loose diamonds or gemstones, protection plans, purchases made with trade-ins, or on previous design services. Purchase must be made in-store with your Zales Credit Card. Discount will not be applied until the Zales Credit Card is selected as a Payment Method and the card number is entered. See Jewelry Expert for details. Offer valid 10/2/25 - 10/30/25.

⁴Must have made a purchase 10/2/25 - 10/30/25 11:59PM CST. Valid one time only. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received by qualifying cardholders via email 12/30/25. Must have valid email address and U.S. mailing address.

*Deferred Interest, Payment Required plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Valid for single transaction only. If the single transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement. As of August 2025, terms for new Accounts: Purchase APR of 35.99%. Variable Penalty APR up to 39.99%, based on Prime Rate. Minimum interest charge of $3 in any billing period in which interest is due. Promotional Plan Transaction Fee is 2% of the promotional plan purchase. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms.

⁵Application and approval must occur same day to receive the offer. Offer only available at Zales and Zales Outlet stores. Cannot be combined with any other offer or coupon. Cannot be combined on the same transaction. Valid one time only. Offer excludes From This Moment and Lab-Created Diamonds solitaire rings, timepieces, smart watches, specially priced items, Charms, Internally Flawless, Zales Signature, Stellar Star, Trend Spotlight, Whimly, Zales Essentials, clearance, closeouts, pre-loved jewelry, pre-loved watches, customized items, Diamond Events, Piercing Events, charity items, loose stones, gift cards, repairs, protection plans, jewelry cleaner, and prior purchases. Offer excludes certain new items, designer brands and licensed or exclusive collections. Application and approval must take place the same day, and first purchase must be made by 10/30/25 to receive the offer. Valid for new credit applicants only. Minimum purchase amounts do not include taxes and shipping. Must have valid email address and U.S. mailing address. See a Jewelry Expert in-store for full details. Offers valid 10/2/25 - 10/30/25.

Credit card offers are subject to credit approval.

Zales Credit Card Accounts are issued by Comenity Capital Bank, a Bread Financial^® company.