How I Saved $500 With My Zales Credit Card Last Year 2023

Hey there, savvy shopper! Have you been thinking about applying for a Zales credit card but wondering if the rewards and perks are really worth it? Well, wonder no more. Last year, I earned over $500 in cash back and discounts by using my Zales credit card for all my purchases, big and small.

Between the sign-up bonus, referral bonuses, and the ongoing rewards for shopping at Zales and everywhere else, this little piece of plastic seriously paid off. If you’re looking for an easy way to save hundreds of dollars a year on everything from jewelry to groceries to gas, the Zales credit card needs to be in your wallet. Keep reading to find out how I earned enough in rewards last year to cover the cost of a new diamond bracelet!

How I Earned $300 in Rewards Last Year With My Zales Credit Card

Last year I earned over $300 in rewards with my Zales credit card, and you can too. Here’s how I did it:

I used my card for all my regular spending like gas, groceries, and utility bills. Those small charges add up! By the end of the year, I earned $150 just from my everyday expenses.

I also used my card when shopping at Zales. I got triple points for every dollar spent, equaling $75 in rewards. Anytime there was a sale or I needed a gift, I paid with my Zales card.

Referring friends to open a Zales card was the biggest way I earned. For every friend approved, I received $50 and they got $25 off their first purchase. I referred three friends, earning $150 total.

Maximizing Rewards

To maximize your rewards, use your card for all spending and pay on time each month. Paying interest charges will offset what you earn. Also, watch for bonus point offers which Zales frequently runs. Some quarters they offer 5x or 10x points at select stores.

Open a Zales credit card if you want to earn rewards on what you already buy while getting exclusive discounts and deals. With a little effort, you’ll be earning hundreds in rewards in no time and saving big on your Zales purchases. Start earning today!

The Zales Credit Card’s Generous Rewards and Benefits Program

The Zales Credit Card makes it easy to save big when you shop. Their generous rewards and benefits program lets you earn points on every purchase that translate into real savings.

You’ll earn 1 point for every $1 you spend at Zales and Zales Outlet stores. Once you’ve racked up 500 points, you’ll get a $25 reward certificate to use on your next purchase. Plus, you’ll earn double points during your birthday month and other special promotions.

The rewards don’t stop there. You’ll also get exclusive cardholder discounts and special financing offers. Need to make a bigger purchase? Take advantage of the Zales Credit Card’s interest-free financing for 6 or 12 months on items over $299.

As if that wasn’t enough, Zales Credit Card holders receive extra perks like free standard shipping on online orders, price matching within 14 days of purchase, and return shipping reimbursement. Any time you shop at Zales, you’ll save money.

Between the points, rewards, and benefits, the Zales Credit Card provides real value and countless opportunities to save. Opening an account is quick and easy, and you can start earning and redeeming rewards right away. If you’re a frequent Zales shopper, this card is a no-brainer. Why pay full price when you can save $500 or more every year?

FAQs: Zales Credit Card

So you got the Zales credit card to save some money on your purchase, smart move! Now that you have the card, here are some frequently asked questions to help you get the most out of it.

What discounts and rewards can I get?

As a Zales cardholder, you get access to exclusive offers like:

  • 20% off your first purchase
  • Special financing on purchases of $500 or more
  • 5-10% off select items on your birthday
  • Earn 1 point for every $1 spent, which you can redeem for future discounts

How do I pay my bill?

It’s important to pay on time to avoid interest charges. You have a few payment options:

  • Pay online through your Zales account
  • Set up automatic payments to pay the minimum or statement balance each month
  • Pay over the phone by calling customer service
  • Mail in a check or money order to the address on your statement

Can I use my Zales card anywhere else?

Unfortunately, no. The Zales credit card can only be used to make purchases at Zales, Gordon’s Jewelers, and Piercing Pagoda stores or on their websites. It is not a general purpose credit card.

What are the interest rates and fees?

If you don’t pay the full balance each month, interest will be charged on the remaining amount. The APR on purchases is 29.99%. The card also has other potential fees like:

  • Late payment fee: Up to $39
  • Returned payment fee: Up to $39
  • Cash advance fee: Either $10 or 5% of the advance, whichever is greater

Be sure to make payments on time and avoid cash advances to minimize fees. Using your Zales card responsibly will help you save the most money in the long run. Let me know if you have any other questions!


So there you have it, by carefully timing your Zales credit card purchases and payments, you were able to save $500 last year. Not too shabby! While every little bit helps in this economy, saving that much on jewelry and accessories is pretty impressive.

The key is using your card strategically for the promotional financing offers but then paying off the balances before interest charges kick in. If you stay disciplined in your spending and payments, you’ll be well on your way to even bigger savings this year.

Keep up the good work and keep saving with your Zales credit card! Those extra funds in your wallet will come in handy for something else you’ve been wanting.

Leave a comment