Zales Credit Account Application

Step 1: Application

Credit Card

Cardholder Benefits:

  • Special Financing Plans available*
  • $50 OFF on your birthday2
  • Free standard shipping3 with purchase on your The Diamond Card
  • 10% off any repair service with purchase on your The Diamond Card4

*,2,3,4 See All Benefits

Note: The Zales The Diamond Card account is issued by Comenity Capital Bank. Review our Financial Privacy Policy and Online and California Privacy Policy for more information. California Residents: Visit this page to request that we Do Not Sell My Personal Information.

Your Personal Information


-Select One-

Why do you need my Social Security number?

We use this information to verify your identity and obtain credit bureau information.

Why do you need my income?

In order to comply with federal law, and to determine factors such as your credit limit, we consider your ability to meet the payment obligations associated with this account. Your income information is part of that consideration.

If you do not wish to have alimony, child support and/or separate maintenance income considered as a basis for repaying this obligation, please do not include it in your Annual Income amount. Married WI Residents only: If you are applying for an individual account and your spouse also is a WI resident, combine your and your spouse's financial information.

Intended Purchase Amount is the amount you plan to spend on your first purchase with this credit card, if you submit an application and your application is approved. Enter as a dollar amount with no dollar sign or decimal like this: 2000 for $2,000.00

Contact Information

PO Box mailing addresses are not accepted.
-Select One-

By providing your contact information, including any mobile or other phone numbers, you agree to be contacted regarding any of your Comenity Bank or Comenity Capital Bank accounts via calls to cell phones, text messages or telephone calls, including the use of artificial or pre-recorded message calls, as well as calls made via automatic telephone dialing systems or via email.

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Cancel Application

You are about to cancel your application. Are you sure you want to cancel? This action cannot be undone.

Yes, Cancel Continue With Application

Cancel Application

By clicking "Cancel", this form will not be submitted and you will return to http://www.zales.com

No, continue Application

Cancel Acceptance

By clicking "Cancel", this form will not be submitted and you will return to http://www.zales.com

No, continue Acceptance

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Your session is about to expire. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session.

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The Zales The Diamond Card account

Become a Diamond Credit Cardholder and Exclusive Benefits when you use your Diamond Credit Card:

  • Receive exclusive cardholder only coupons, jewelry inspection reminders1 and cleaning notifications via email throughout the year
  • $50 OFF on a purchase on your birthday2
  • FREE standard shipping3
  • 10% OFF any repair service4

Plus, Special Financing Options:

  • 6 Month Special Financing* on purchases of $300 or more made with The Diamond 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 is not paid in full within the promotional period
  • 12 Month Special Financing* on purchases of $750 or more made with The Diamond 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 is not paid in full within the promotional period
  • 18 Month Special Financing* on purchases of $3000 or more made with The Diamond 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 is not paid in full within the promotional period
  • 36 Month Special Financing** on purchases of $1500 or more made with The Diamond Card
    • 9.99% APR for 36 months. After that, purchase APR of 29.99%

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. 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 09/29/2022, terms provided for New Accounts: Purchase APR of 29.99%. Minimum interest charge of $2 in any billing period in which interest is due. 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). 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 09/29/2022, terms provided for New Accounts: Minimum interest charge of $2 in any billing period in which interest is due. Existing Cardholders: see your credit card agreement for Account terms.

Credit card offers are subject to credit approval.

The Diamond Card Accounts are issued by Comenity Capital Bank.

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Reward Terms and Conditions

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Important Information About Your Credit Report.

What is a credit report?  A credit report is a record of your credit history. It includes information about whether you pay your bills on time and how much you owe to creditors.

How did we use your credit report?  We used information from your credit report to set the terms of the credit we are offering you, such as the Annual Percentage Rate. The terms offered to you may be less favorable than the terms offered to consumers who have better credit histories.

What if there are mistakes in your credit report?  You have a right to dispute any inaccurate information in your credit report. 

If you find mistakes on your credit report, contact the consumer reporting agency listed below, which is the agency from which we obtained your credit report. It is a good idea to check your credit report regularly to make sure the information it contains is accurate.

How can you obtain a copy of your credit report?  Under federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact:

How can you get more information about credit reports? For more information about credit reports and your rights under federal law, visit the Federal Reserve Board's web site at www.federalreserve.gov or the Federal Trade Commission's web site at www.ftc.gov.


What you should know about credit scores. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how your credit history changes.


Your credit score as of 09/29/2022: 0


 

We used your credit score to set the terms of credit we are offering you. In the scoring system we used, scores can range from 479 to the best possible score, 898. Please be aware, there are a number of different credit scoring systems available, and each uses a different range of numbers.


Here are the most significant factors in determining your score:

If you have questions about the factors impacting your credit score, we encourage you to contact the consumer reporting agency listed in this letter.

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Your Temporary Account

Credit Card
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Name: Temporary Account Number: CVC/CVV: Expires On: Temporary Credit Limit: $0 Please sign here:
This temporary card is not valid until signed.
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Know how to use your temporary account

You may use your Temporary Shopping Pass as if it were your actual credit card with the following restrictions - once any of the limitations below are met, your temporary account number will no longer be valid for use:

  • You may use this Temporary Shopping Pass for up to
  • A single transaction cannot exceed $0.00
  • You may use the Temporary Shopping Pass for up to 0 transactions
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Welcome Offer

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Scan Barcode as Payment

Scan this barcode to use the customer's new Zales The Diamond Card account as payment.
Name on Card: Account Number: Credit Limit: $0
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