Zales Credit Card is designed as a financing option for Zales purchases. You get different payment plans (0% - 16.99% for 6 - 36 months) depending on how much you spend. Bear in mind that the rates you get are deferred interest rates, so if you don't pay in full by the end of your introductory term, an APR of 29.99% applies to your entire purchase. With regular 0% APR credit cards, your remaining balance starts accruing interest at the end of your introductory period.
No, you can’t use store credit cards anywhere. They only work at the merchants they’re connected with. For example, the Target Credit Card, is solely for Target purchases. It’s not always one retailer, though. If multiple brands are owned by the same parent company, you should be able to use any one of their store cards for purchases from all of the brands. For instance, you can use the store version of the … read full answerOld Navy Credit Card at Gap, Banana Republic and Athleta in addition to Old Navy. And you can use the Amazon.com Store Card at Hoot.com, Audible.com, Comixology.com along with other Amazon products and services.
What’s confusing is that some credit cards are affiliated with specific retailers but qualify as co-branded cards, not store cards. The difference is that a co-branded credit card belongs to a card network: Visa, Mastercard, American Express or Discover. And it can be used anywhere that network is accepted. So if your card doesn’t have a network logo on it, it’s a store credit card.
Here’s why you can’t use store credit cards anywhere:
Store credit cards can only be used at the retailers they’re affiliated with, which may include more than one merchant.
The fact that store cards have limited acceptance is part of the reason they’re easier to get, generally requiring just fair credit for approval.
Store cards are not the same as co-branded cards. Co-branded cards are associated with a particular company or organization but also belong to one of the four major card networks. So you can use them anywhere that accepts credit cards.
The visual difference between store cards and co-branded cards is that co-branded cards feature the logo of a credit card network (Visa, Mastercard, Amex, Discover) while store cards do not.
Many retailers actually offer two versions of their cards: one co-branded and another store-only. And there’s often just one application. The issuing bank decides which one you get, if any, based on your credit standing. You’ll generally need good credit or better to get a co-branded card. The Best Buy® Credit Card, for instance, requires good credit or better (700+), but those with at least fair credit (640+) may qualify for the Best Buy® Store Card. You can check your latest credit score for free on WalletHub.
The easiest jewelry credit card to get is pretty much any jewelry credit card, including the Helzberg Diamonds Credit Card, the Iddeal Jewelry Credit Card, and the Zales Credit Card. You have about the same chance of getting all of them because they all are store cards that require fair credit for approval. So, your best bet is to go for whichever jewelry store’s card has the benefits you like best. You could also consider a more general store card for a place that sells jewelry among other things, like the … read full answerJCPenney Credit Card.
Keep in mind that it’s best not to use a jewelry credit card for financing because most, if not all of them, use deferred interest. In other words, they give you a low introductory (often 0%) interest rate but still calculate how much interest you would have accrued during that period at the normal interest rate. If you don’t pay off your balance in full by the end of the introductory period, you owe the interest. So that’s something to be wary of.
With that said, let’s take a look at the benefits and terms of some of the most popular jewelry cards.
Easiest Jewelry Credit Cards to Get:
Helzberg Diamonds Credit Card: $100 in store reward when your card arrives in the mail. $50 off $249+ purchase during the first year, on your birthday. 0% - 9.99% for 6 - 36 months deferred interest. 27.99% (V) regular APR. Up to $25 discount on purchases made during the holidays. $0 annual fee. Fair credit needed.
Zales Credit Card: 10% off repairs. $50 off $149+ purchase on your birthday. Free shipping. 0% - 16.99% for 6 - 36 months deferred interest. 29.99% regular APR. Exclusive coupons by email. $0 annual fee. Fair credit needed.
Riddle's Jewelry Credit Card: Not Offered deferred interest. 28.99% regular APR. Promotional offers at certain stores. $0 annual fee. Fair credit needed.
If you want a store card that can be used for jewelry but also for other things, here are some other good options: The JCPenney Credit Card gives you 15% off your first purchase and 1 point per $1 on all purchases. The Amazon.com Store Card gives 5% back in rewards off all Amazon purchases when you have a Prime account. And the Target Credit Card gives you 5% discount off all Target purchases.
You could also consider non-store cards with good bonuses. For example, the Capital One Venture Rewards Credit Card gives you 75,000 miles for spending $4,000 in the first 3 months of account opening. You could use it to buy an engagement ring and save on your honeymoon with the miles. It’s easy to use credit cards to your advantage if you plan ahead.
The Comenity Bank credit cards that are easy to get are the ones that require fair credit for approval. That means you’ll need a score of about 640 or higher. And since the average person’s credit score is about 40 points above that, these cards are well within reach for most of us.… read full answer
Unfortunately, Comenity Bank doesn’t offer any cards for people with bad credit, so its cards aren’t quite as easy to get as secured credit cards, for example. It’s also important to note that Comenity Bank specializes in store cards, which you’ll only be able to use at one (or sometimes a few) specific retailers.
Here are some Comenity Bank credit cards that are easy to get:
Zales Credit Card. Requires fair credit. $0 annual fee. 10% off all repair services. $50 off a $149+ purchase on your birthday. Deferred interest of 0% - 16.99% for 6 - 36 months. 29.99% regular APR. Free shipping and exclusive coupons.
Ann Taylor Store Card. Requires fair credit. $0 annual fee. 5 points per $1 spent at Ann Taylor family brands.
Torrid Credit Card. Requires fair credit. $0 annual fee. 1 point for every dollar spent at Torrid. 27.24% (V) regular APR.
Petland Credit Card. Requires fair credit. Annual fee: $0. 1 point per $1 spent, up to 2,000 points per billing cycle . Exclusive discounts and promotional financing.
As you can see, these cards charge $0 annual fees, and all of them provide nice perks at their respective retailers. Comenity Bank also has quite a few store cards that require good credit for approval. They include cards tied to Orbitz, Williams Sonoma, Loft and Westgate Resorts. But if your score is below 700, it’s best to just stick with the cards for fair credit.
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