Earn Zales exclusives when you use your GEM Account Credit Card

  • Special Financing Plans available*
  • $50 off2 on your birthday
  • Free standard shipping3
  • 10% off any repair service4
Credit Card
Card Benefits
  • Deferred-Interest Plan Info

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

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GEM Account Credit Card

Savings that will take your breath away

Enjoy these Exclusive Benefits with purchase on your GEM Account Credit Card:

  • Receive exclusive cardholder coupons, jewelry inspection1 reminders and cleaning notifications via email throughout the year
  • $50 OFF on a purchase on your birthday2
  • FREE standard shipping3
  • 10% off any repair service when you use the GEM Account Credit Card4

Plus, Special Financing Options:

  • 6 Month Special Financing* on purchases of $300 or more made with the GEM Account Credit Card
    • No Interest if paid in full within 6 months.
    • 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
  • 12 Month Special Financing* on purchases of $750 or more made with the GEM Account Credit Card
    • No Interest if paid in full within 12 months.
    • 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
  • 18 Month Special Financing* on purchases of $3000 or more made with the GEM Account Credit Card
    • No Interest if paid in full within 18 months.
    • 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
  • 36 Month Special Financing** on purchases of $1500 or more made with the GEM Account Credit Card
    • 9.99% APR for 36 months. After that, purchase APR of 28.99%

1Must have valid email address and U.S. mailing address. Account must not be in default.

2Offer will be received during the cardholder's birthday month. Minimum purchase required to redeem. See offer for full terms and conditions. Must make a purchase in the previous 12 months starting 1 month(s) prior to the cardholder's birthday. Must have valid email address and U.S. mailing address. 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.

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

4Cannot be combined with other offers. Account must not be in default.

*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. The sum of the required payments each billing period won't be less than $35 (or Account balance if less). 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. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. 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 02/25/2020, terms provided for New Accounts: Purchase APR of 28.99%. Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Promotional transaction fee of $9.95 for each promotional Credit Plan purchase. Existing Cardholders: see your credit card agreement for Account terms.

**Interest will be charged to your Account from the purchase date at the reduced APR. Minimum payments are required for each Credit Plan. The Minimum payment for this Credit Plan will be an amount equal to a percentage of the promotional purchase amount, which percentage will be based on the reduced APR and the length of the promotional period, rounded up to the nearest $1 (minimum $5). The sum of the required payments each billing period won't be less than $25 (or Account balance if less). 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 paying interest at the purchase APR. Some balances may be paid off before the promotional period ends. Your minimum payment may be higher than if you did not select promotional financing. 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 02/25/2020, terms provided for New Accounts: Minimum interest charge of $2 per Credit Plan in any billing period in which interest is due. Promotional transaction fee of $9.95 for each promotional Credit Plan purchase. Existing Cardholders: see your credit card agreement for Account terms.

Credit card offers are subject to credit approval.

The GEM Account Credit Card Accounts are issued by Comenity Capital Bank.

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