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You Found the One

Get it Now, Pay Later

Zero Down Special Financing1 on
purchases of $300 or more with
The Diamond Credit Card.



To apply for The Diamond Credit Card an online Zales.com account is required. Why?

If your application is instantly approved, you will have access to your credit immediately. Your credit card account information will be saved within your Zales.com account and then can be used when checking out online.

When creating an account please be sure to use the same email that you will use during the application process. If you already have a Zales.com account be sure to use the same email address when completing the credit application.

 

There’s a Plan for You

Special Financing1 options designed with your style and budget in mind.

Compare Plans

Choose a Special Financing1 option that fits your style when you use your Diamond Credit Card.

PAYBACK PERIOD

MINIMUM PURCHASE

INTEREST RATE

6-MONTH FINANCING2,*

$300

0% if paid in full within 6 months.

12-MONTH FINANCING2,*

$750

0% if paid in full within 12 months.

18-MONTH FINANCING2,*

$3000

0% if paid in full within 18 months.

36-MONTH FINANCING3,*
 

$1500
 

16.99% APR for 36 months. After that, purchase APR of 29.99%.

For the 6, 12, and 18 month credit plans, interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.

The Diamond Card Perks

Enjoy dazzling and exclusive benefits when you use your Diamond Credit Card!



Get Approved in an Instant
Applying only takes a few moments. Get approved and start shining instantly.


$50 Off4 for Your Birthday
Get $50 off4 a purchase during your birthday month with The Diamond Credit Card.


10% Off5 Repairs and Services
Dazzle today and forever with 10% off5 jewelry repair and services.


Exclusive Offers in Your Inbox
Receive exclusive coupons, as well as inspection and cleaning reminder emails6.


Free Standard Shipping7
Get diamonds delivered with free standard shipping7 on all purchases.

You Deserve More Options

When you find that jewelry design that speaks to you, you have to get it! We offer a variety of payment options that make getting it easy.

Frequently Asked Questions

Your new credit card will arrive in the mail 7-10 business days from the date you opened your account. If you do not receive your card after 10 business days, please call Comenity Capital Bank at 1-844-271-2708 (TDD/TTY: 1-888-819-1918) to request another card.

Yes. You will receive a monthly statement by mail if you have a balance or if there is activity on your account, unless you sign up for paperless statements (see next questions).

It’s easy to sign up! Visit comenity.net/zales and click “Register”. Enter your account information (use your current account number).

•Pay online after you have registered your account at comenity.net/zales.
• Inside a Zales Outlet - please note that Comenity Capital Bank will not accept a credit card as a form of payment.
• Schedule a payment or send a check to: Comenity Capital Bank; P.O. Box 659819; San Antonio, TX 78265-9119.
See your billing statement for all payment options and details.

Yes. Visit comenity.net/aales and click on “Payments”. Accept terms and conditions and then navigate to the top banner for more details on how to pay your bill with your debit card. For any questions, please call Comenity Capital Bank at 1-844-271-2708 (TDD/TTY: 1-888-819-1918) or visit the nearest Zales Outlet.

For any questions, please call Comenity Capital Bank at 1-844-271-2708 (TDD/TTY: 1-888-819-1918) or visit comenity.net/zales and go to the help page and select transactions and statements.

For any questions, please call Comenity Capital Bank 1-844-271-2708 (TDD/TTY: 1-888-819-1918) or visit the nearest Zales Outlet.

  • 1, § Minimum payments are required for each Credit Plan. 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 and minimum interest charge.

  • 2 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.

  • 3Low APR, Equal Payment plan: Interest will be charged to your Account at the reduced APR from the purchase date through the end of the promotional period. After the promotional plan expiration date, the purchase APR will apply. Minimum payments are required for each Credit Plan.

  • *All Promotional Plans: 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 and minimum interest charge. As of 10/2020, terms for new Accounts: Purchase APR of 29.99%. Minimum interest charge is 2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

  • 4Must have made a purchase in the previous 12 months starting 1 month(s) prior to the cardholder’s birthday. Accounts that opened in the birthday month or in the 2 months prior to your birthday will receive the offer during your birthday month the following calendar year. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received during the cardholder’s birthday month. Must have valid email address and U.S. mailing address.

  • 5Account must not be in default. Redemption Details: Cannot be combined with repair offers.

  • 6Redemption Details: Must have valid email address to receive.

  • 7Limited to Standard Shipping (3-5 Business Days) in U.S. and U.S. territories.

  • PAY AS LOW AS FOR PURCHASES OVER $300
  • ^6 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 6 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.
    Promotional Credit Plan Details: Deferred Interest, Payment Required plan: No Interest if paid in full within 6 months on purchases of $300 or more made with your The Diamond Credit Card. 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 and minimum interest charge. As of 10/20, terms for new Accounts: Purchase APR of 29.99%%. Minimum interest charge is $2.00 per Credit Plan in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.
  • ^^12 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 12 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.
    Promotional Credit Plan Details: Deferred Interest, Payment Required plan: No Interest if paid in full within 12 months on purchases of $750 or more made with your The Diamond Credit Card. 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 and minimum interest charge. As of 10/20, terms for new Accounts: Purchase APR of 29.99%%. Minimum interest charge is $2.00 per Credit Plan in any billing period in which interest is due. Promotional transaction fee of $9.95 for 12 Month plan(s). . Existing Cardholders: see your credit card agreement for Account terms.
  • ^^^18 Months - Suggested Payment Details: The suggested monthly payment requires placing your purchase on a promotional credit plan, and it may be higher than the required minimum monthly payment on your billing statement. The following assumptions were made regarding the suggested monthly payment: it equals the purchase amount (excluding taxes and shipping costs) divided by the number of months in the promotional period, rounded up to the nearest dollar; you make 18 equal payments during the promotional period; you make all payments on time; and you currently do not and will not have any other balance on your Account during the promotional period.
    Promotional Credit Plan Details: Deferred Interest, Payment Required plan: No Interest if paid in full within 18 months on purchases of $3,000 or more made with your The Diamond Credit Card. 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 and minimum interest charge. As of 10/20, terms for new Accounts: Purchase APR of 29.99%%. Minimum interest charge is $2.00 per Credit Plan in any billing period in which interest is due. Promotional transaction fee of $9.95 for 18 Month plan(s). Existing Cardholders: see your credit card agreement for Account terms.

  • Credit card offers are subject to credit approval.
    The Diamond Credit Card Accounts are issued by 
    Comenity Capital Bank.

To apply for The Diamond Credit Card an online Zales.com account is required. Why?

If your application is instantly approved, you will have access to your credit immediately. Your credit card account information will be saved within your Zales.com account and then can be used when checking out online.

When creating an account please be sure to use the same email that you will use during the application process. If you already have a Zales.com account be sure to use the same email address when completing the credit  application.

To apply for The Diamond Credit Card an online Zalesoutlet.com account is required. Why?

If your application is instantly approved, you will have access to your credit immediately. Your credit card account information will be saved within your Zalesoutlet.com account and then can be used when checking out online.

When creating an account please be sure to use the same email that you will use during the application process. If you already have a Zalesoutlet.com account be sure to use the same email address when completing the credit application.

To apply for The Diamond Credit Card an online Zalesoutlet.com account is required. Why?

If your application is instantly approved, you will have access to your credit immediately. Your credit card account information will be saved within your Zalesoutlet.com account and then can be used when checking out online.

When creating an account please be sure to use the same email that you will use during the application process. If you already have a Zalesoutlet.com account be sure to use the same email address when completing the credit application.

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