¹Deferred Interest, Payment Required plan: 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.

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. As of July 2026, terms for new Accounts: Purchase APR of 35.99%. Variable Penalty APR up to 39.99%, based on Prime Rate. Minimum interest charge of $3 in any billing period in which interest is due. Promotional Plan Transaction Fee is 2% of the promotional

plan purchase. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Cardholders: see your credit card agreement for Account terms. Ask a Jewelry Expert for details Valid 7/23/26 - 8/02/26.

Credit card offers are subject to credit approval.

Zales Credit Card Accounts are issued by Comenity Capital Bank, a Bread Financial® company