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That's a good question. It's usually a much better idea to apply for a rewards credit card than to use in-store financing. Store credit cards are generally more expensive than credit cards from major banks.

The Zales Credit Card is a store credit card, which means you won't be able to use the card outside Zales stores. If you are interested in the card's special financing, then you should understand that the interest is deferred. That means if you do not pay off the card balance in full within the promotional period, then you will be charged interest from the purchase date.

Another caveat with the Zales Credit Card special financing is that the length of the promotional period depends on your purchase amount. Thus, to qualify for 6 months of zero interest, your minimum purchase should be at least $300. If your purchase amount is at least $750, then you can qualify for 12 months of zero interest. And you will need to spend at least $3,000 to get 18 months of zero interest. Again, all this zero interest requires the balance to be paid in full within the promotional period. Otherwise, you will pay interest from the first day of the purchase.

If you need a real 0% APR, consider credit cards that offer 0% intro APR on purchases. With such cards, even if you do not pay in full the card balance during the introductory period, the interest will apply to the remaining balance only. Plus, 0% intro APR credit cards may come with rewards and welcome bonuses, meaning you can save on your purchase.

Plus, 0% intro APR credit cards from major banks can be used everywhere credit cards are accepted as a method of payment. You can use them for your everyday spending, not only for jewelry.

tags : Cash Back Store Cards

Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.