Earn Zales exclusives:

  • $0 down, special financing plans available^
  • $50 off+ a $200 or more purchase on your birthday
  • Free standard shipping++
  • 10% off any repair service when you use your card
Credit Card
Card Benefits
24/7 Access to pay your bill, view statements, update your profile and manage on-the-go
Why Register for Online Access?

Sign up for online Account Center now. Start managing your account the fast, easy way.

When you register, you get 24/7 access to manage your GEM ACCOUNT credit card Account online from any device, including your computer, tablet or smartphone.

Pay your bill, view or print monthly statements, add or change your contact information, sign up for paperless billing — and much more.

Register now

Register Now
24/7 Access to pay your bill, view statements, update your profile and manage on-the-go
Why Register for Online Access?

Sign up for online Account Center now. Start managing your account the fast, easy way.

When you register, you get 24/7 access to manage your GEM ACCOUNT credit card Account online from any device, including your computer, tablet or smartphone.

Pay your bill, view or print monthly statements, add or change your contact information, sign up for paperless billing — and much more.

Register now

Register Now
  • Deferred-Interest Plan Info

    At checkout for certain types of purchases, you may be offered a deferred-interest promotional plan.

    Learn More

  • Manage Your Account

    Keep track of your credit card account anywhere, anytime.

    Not Registered? Register Now

  • Get 24/7 Online Access

    Sign up for secure, online account management.

    Register Now

GEM ACCOUNT credit card

Savings that will take your breath away

Enjoy these Exclusive Benefits:

  • Receive exclusive cardholder coupons, jewelry inspection reminders and cleaning notifications via email** throughout the year
  • $50 OFF+ a $200 or more purchase on your birthday
  • FREE standard shipping++
  • 10% OFF any repair service when you use your Zales credit card

Plus, Zero Down Payments with Everyday Promotional Plans:

No Interest if paid in full within 6, 12 or 18 months.
No Interest if paid in full within 6, 12 or 18 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 or if you make a late payment.*
9.99% APR if paid in full in 36 months.
If the balance is not paid in full in 36 months or if you fail to make any payment when due, regular credit terms will apply and interest will be imposed from the end of the promotional period at the standard, variable Purchase APR of 28.99%, based on the Prime Rate.***

*Interest will be charged to your account (at the standard, variable Purchase APR) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments are required for this plan during the promotional period. Required minimum purchase. See store for details.  For your purchase made under the 6 months promotional Credit Plan, we will waive the transaction fee of $9.95. For purchases made under the 12 and 18 months promotional Credit Plans, we will add a transaction fee of $9.95 per transaction.^

**Valid email address must be provided in-store or online at zales.com in order to receive this benefit. 

+Birthday coupon will arrive on or before cardholder's birthday month. Must provide valid email address in order to receive this benefit.

++Free standard shipping (3-5 business days) valid for the U.S. and U.S. territories when you use your Zales credit card.

***If the balance is not paid in full in 36 months or if you fail to make any payment when due, regular credit terms will apply and interest will be imposed from the end of the promotional period at the standard, variable Purchase APR of 28.99%, based on the Prime Rate. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase, including the calculated finance charges that will be assessed from the date of the purchase through the end of the promotional period, divided by the number of months in the promotional period, (rounded up to the nearest $1); or $5. Required minimum purchase. See store for details. For your purchase made under the 36 months promotional Credit Plan, we will waive the transaction fee of $9.95.^

^GEM ACCOUNT credit card accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $25.00. Minimum Interest Charge is $2.00, per credit plan. Standard, variable Purchase APR of 28.99%, based on the Prime Rate. Subject to credit approval.

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