Zulily Credit Card: Benefits, Rewards & How to Apply

The Zulily Credit Card offers rewards, exclusive discounts, and special financing for frequent shoppers. Enjoy benefits and manage your account easily online.

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Introduction

The Zulily Credit Card, issued by Synchrony Bank, offers a range of benefits for those who frequently shop at Zulily, an online retailer known for its daily flash sales and exclusive deals on fashion, home goods, and more. This credit card allows cardholders to enjoy rewards, special financing options, and discounts, making it a valuable tool for loyal Zulily shoppers. Whether you’re looking to earn rewards on your purchases or take advantage of flexible payment plans, the Zulily Credit Card provides a seamless shopping experience with added perks for those who want to get the most out of their Zulily purchases.

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What is the Zulily Credit Card?

The Zulily Credit Card is a store credit card issued by Synchrony Bank designed for frequent shoppers of Zulily, an online retailer known for offering daily deals on clothing, home goods, baby items, and more. This card provides exclusive benefits to cardholders, including special financing options, promotional offers, and rewards on purchases made through the Zulily website. By using the Zulily Credit Card, cardholders can enjoy perks like discounts on future purchases, access to special sales, and the ability to finance large purchases with zero-interest promotional financing for select terms. The Zulily Credit Card is ideal for loyal shoppers looking to maximize their savings and shopping experience at Zulily.

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Key Benefits of the Zulily Credit Card

The Zulily Credit Card offers several advantages designed to enhance the shopping experience for frequent Zulily shoppers. Here are the key benefits:

Exclusive Discounts

As a Zulily Credit Cardholder, you can enjoy exclusive discounts on your purchases, helping you save more on fashion, home goods, and other items available on Zulily.

Special Financing Offers

The Zulily Credit Card provides access to special financing options on qualifying purchases, allowing you to make large purchases and pay them off over time with zero-interest promotional financing for a set period.

Earn Rewards on Purchases

Cardholders earn rewards points for every purchase made with the Zulily Credit Card. These points can be redeemed for future discounts on Zulily purchases, making it easier to save on future shopping sprees.

No Annual Fee

The Zulily Credit Card comes with no annual fee, making it a cost-effective way to earn rewards and enjoy benefits without paying extra fees.

Exclusive Offers and Sales

Zulily Credit Cardholders receive early access to sales and special promotional offers, ensuring that you don’t miss out on limited-time deals and exclusive product launches.

Flexible Payment Options

Enjoy flexible payment options, including the ability to set up monthly payments for larger purchases. This flexibility allows you to manage your budget while still enjoying the products you love.

Secure Online Shopping

The Zulily Credit Card offers secure transactions and fraud protection, ensuring that your purchases are safe and that you are protected against unauthorized charges.

Convenient Account Management

The Zulily Credit Card can be easily managed online or through the mobile app, allowing you to check balances, track rewards, make payments, and more from anywhere.

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Rewards Program and Special Financing

The Zulily Credit Card offers both a rewarding program and special financing options, making it a great choice for frequent shoppers looking to maximize their savings and manage larger purchases.

Rewards Program

With the Zulily Credit Card, cardholders earn rewards points on every purchase made through Zulily. These points can be redeemed for discounts on future purchases, helping you save on your next shopping spree. The more you shop, the more you earn, making it easy to build up rewards for future use.

Special Financing

In addition to earning rewards, the Zulily Credit Card offers special financing options for qualifying purchases. This allows cardholders to break up larger purchases into manageable monthly payments, often with zero-interest promotional financing for a specific term (e.g., 6 or 12 months). This flexibility is especially helpful for larger orders, providing a way to manage payments without accruing interest, as long as the balance is paid in full by the end of the promotional period.

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Eligibility and Application Process

Applying for the Zulily Credit Card is a straightforward process, but it’s important to meet certain eligibility criteria to increase your chances of approval. Here’s an overview of the eligibility requirements and the steps involved in applying for the Zulily Credit Card.

Eligibility Requirements

To be eligible for the Zulily Credit Card, you generally need to meet the following criteria:

• Age: You must be at least 18 years old (or the age of majority in your state).
• U.S. Resident: You should be a U.S. resident with a valid mailing address.
• Credit Score: A fair to good credit score is typically required, though the exact score needed may vary.
• Income: Proof of a stable income is often required to ensure you can make payments on the card.

How to Apply

Applying for the Zulily Credit Card is simple and can be done online or through the Zulily website. Here’s a step-by-step guide:

1. Visit the Zulily Website: Go to the Zulily homepage and navigate to the credit card application section.
2. Fill Out the Application Form: You will be asked to provide personal information such as your name, address, date of birth, Social Security number, and income details.
3. Submit the Application: Once you’ve completed the form, submit it for review. The application will be assessed by Synchrony Bank, the card issuer.
4. Wait for Approval: You will typically receive an approval decision quickly. If approved, you will receive your Zulily Credit Card by mail.
5. Activate Your Card: Once you receive your card, follow the instructions to activate it and start shopping with your new card.

Additional Tips

• Ensure Accuracy: Double-check all information before submitting your application to avoid delays.
• Review Terms: Be sure to review the card’s terms and conditions, including interest rates, fees, and benefits, before applying.
• Consider Your Credit: If you’re unsure about your credit score, consider checking it before applying to gauge your eligibility.

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Fees and Interest Rates

Here is a breakdown of the fees and interest rates associated with the Zulily Credit Card in a table format:

Fee Type	Details
Purchase APR	27.99% to 29.99% (Variable, based on creditworthiness)
Cash Advance APR	29.99% (Variable)
Penalty APR	Up to 29.99% (applied for late payments or missed payments)
Annual Fee	$0
Late Payment Fee	Up to $40
Returned Payment Fee	Up to $40
Foreign Transaction Fee	3% of each transaction made outside the U.S.
Cash Advance Fee	$5 or 5% of the cash advance amount (whichever is greater)
0% Interest Promotional APR	0% for qualifying purchases for a set period (e.g., 6, 12, or 18 months)
Minimum Interest Charge	$2.00

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How to Manage Your Zulily Credit Card Account

Managing your Zulily Credit Card account is easy and convenient, thanks to the online tools and mobile app provided by the card issuer, Synchrony Bank. Here’s how you can manage your account effectively:

Set Up Online Account Access

Once you receive your Zulily Credit Card, you can set up an online account through Synchrony Bank’s website. Here’s how:

• Go to the Synchrony Bank website and click on the “Sign Up” or “Register” option.
• Enter your account details, such as your card number, personal information, and security questions.
• Once registered, you can access your account at any time to view balances, make payments, and manage rewards.

Use the Mobile App

Synchrony Bank offers a mobile app that provides convenient features to manage your Zulily Credit Card. With the app, you can:

• View transactions and account balance
• Make payments and set up automatic payments
• Redeem rewards points for discounts on future Zulily purchases
• Receive payment reminders and alerts for due dates or special promotions

You can download the Synchrony Bank app from the App Store (iOS) or Google Play (Android) and log in with your account credentials.

Pay Your Bill

You can pay your Zulily Credit Card bill through several methods:

• Online: Make one-time payments or set up automatic payments through your online account or mobile app.
• Mail: Send a check or money order to the payment address provided on your credit card statement.
• Phone: Call Synchrony Bank to make a payment over the phone using your bank account or credit/debit card.

Ensure you make at least the minimum payment by the due date to avoid late fees and interest charges.

Monitor Your Transactions

Regularly check your account to monitor your purchases, rewards balance, and available credit. This will help you stay on top of your spending and avoid any fraudulent transactions. Use your online account or mobile app to view detailed transaction history.

Redeem Rewards

To redeem your earned rewards, simply log into your account or mobile app. You can apply your points to get discounts on future Zulily purchases. Check for any special offers that might provide additional ways to redeem rewards for greater savings.

Set Up Alerts

To avoid missed payments and stay on track with rewards, set up payment reminders and alerts via your online account or mobile app. These notifications will help you remember payment due dates and keep you informed of any special promotions or account changes.

Update Personal Information

Keep your contact details (email, phone number, address) up to date to ensure you receive important notifications, statements, and alerts. You can update this information in your online account or mobile app.

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Zulily Credit Card vs. Other Retail Cards

When considering retail credit cards, the Zulily Credit Card offers unique benefits tailored to loyal Zulily shoppers, but it’s important to compare it with other popular retail credit cards. Here’s a comparison to help you determine which option is best for you:

Rewards and Benefits

Zulily Credit Card

• Rewards Program: Earn points for every dollar spent at Zulily, which can be redeemed for discounts on future purchases.
• Special Financing: Offers promotional financing for larger purchases, with 0% APR for a limited time (e.g., 6 months, 12 months).
• Exclusive Offers: Receive access to exclusive promotions and deals on Zulily products.

Other Retail Cards (e.g., Target RedCard, Amazon Store Card)

• Target RedCard: Earn 5% off purchases made at Target, plus free shipping on online orders. No rewards program, but offers immediate savings.
• Amazon Store Card: Earn 5% back on Amazon purchases for Prime members, with financing options on larger purchases.
• Walmart Credit Card: Earn 5% back on Walmart.com, 2% back on Walmart purchases, and 1% on other purchases. Offers promotional financing for select purchases.

Interest Rates

Zulily Credit Card

• APR: 27.99% to 29.99% for purchases, and up to 29.99% for cash advances, which is relatively high compared to other store cards.

Other Retail Cards

• Target RedCard: APR of 23.90%, which is lower than Zulily’s card, but it also doesn’t offer as many financing options.
• Amazon Store Card: APR of 25.99% for standard purchases; 0% financing on eligible purchases for 6 to 24 months, depending on the purchase amount.
• Walmart Credit Card: APR of 17.99% to 24.99%, which is competitive but still lower than Zulily’s rates.

Fees

Zulily Credit Card

• Annual Fee: No annual fee.
• Late Payment Fee: Up to $40.
• Foreign Transaction Fee: 3% on purchases made outside the U.S.

Other Retail Cards

• Target RedCard: No annual fee, no foreign transaction fees, and late payment fees may apply.
• Amazon Store Card: No annual fee, no foreign transaction fees, late payment fees may apply.
• Walmart Credit Card: No annual fee, no foreign transaction fees, late payment fees may apply.

Flexibility of Use

Zulily Credit Card

• Limited Usage: Primarily used for shopping at Zulily, with no rewards for purchases outside their platform. Not as flexible as other cards that can be used universally.

Other Retail Cards

• Target RedCard: Can only be used at Target, but it offers 5% off, which is a compelling benefit for regular Target shoppers.
• Amazon Store Card: Can be used only at Amazon.com, but the 5% back for Prime members makes it highly rewarding for frequent Amazon shoppers.
• Walmart Credit Card: Can be used at Walmart and other locations, providing more flexibility compared to the Zulily Credit Card.

Financing Options

Zulily Credit Card

• Offers 0% APR promotional financing on qualifying purchases for a limited time, typically between 6 to 12 months, making it a good option for larger purchases at Zulily.

Other Retail Cards

• Target RedCard: Offers immediate 5% off purchases, but doesn’t have the same type of promotional financing options.
• Amazon Store Card: Offers 0% financing on large purchases for 6 to 24 months, depending on the total purchase.
• Walmart Credit Card: Offers 0% financing on select purchases over $150, with a 6-24 month repayment term.

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Security and Fraud Protection for Zulily Credit Card

When using the Zulily Credit Card, issued by Synchrony Bank, it’s important to ensure that your account and personal information are secure. Synchrony Bank employs various security measures to protect cardholders from fraud and unauthorized transactions.

Key Security Features

Fraud Monitoring

• Continuous Monitoring: Synchrony Bank uses advanced technology to monitor your account for suspicious activity. This includes checking for unusual purchase patterns, such as transactions in unexpected locations or unusually high amounts.
• Alerts for Suspicious Activity: If suspicious activity is detected, you will receive immediate alerts via email, text, or phone, allowing you to take swift action.

Zero Liability Protection

• No Responsibility for Fraudulent Charges: If your Zulily Credit Card is lost, stolen, or used for unauthorized purchases, you won’t be held responsible for those charges as long as you report them promptly. Zero liability protection ensures peace of mind when your card is compromised.

Multi-Factor Authentication

• Additional Verification for Online Access: To access your online account or mobile app, Synchrony Bank uses multi-factor authentication (MFA), which provides an added layer of security. This typically involves confirming your identity with an additional step, such as a one-time passcode (OTP) sent to your phone or email.
• Stronger Account Security: When making changes to your account or initiating a sensitive transaction, the system will ask for further verification to protect your personal and financial information.

Secure Mobile App

• Biometric Authentication: For added security, you can use fingerprint or facial recognition to log into the Synchrony Bank mobile app, ensuring that only you can access your credit card information.
• Encrypted Communications: All communication through the mobile app or online account is encrypted, which means that your sensitive data, such as transaction details and personal information, is protected from potential hackers.

Card Lock Feature

• Temporarily Lock Your Card: If you misplace your card or suspect unauthorized use, you can immediately lock your card through the Synchrony Bank mobile app or online portal. This prevents anyone from using the card while you track it down or take further action.

What to Do in Case of Fraud

Report Fraudulent Activity Immediately
If you believe your Zulily Credit Card has been lost, stolen, or compromised, immediately call Synchrony Bank’s customer service hotline. The faster you report it, the quicker they can take action to block further fraudulent charges.

Monitor Your Account
Regularly review your account activity through the Synchrony Bank website or mobile app to ensure no unauthorized transactions have occurred. Reporting any discrepancies right away can help prevent further issues.

Replace Your Card
If your card is compromised, request a replacement card with a new number. Synchrony Bank will send you a new card to use for future transactions.

Tips to Enhance Security

• Use Strong, Unique Passwords: Create passwords that are hard to guess and avoid reusing them across multiple accounts. Enable two-factor authentication (2FA) when possible.
• Set Up Alerts: Enable email or text alerts for purchases and payments so you’re immediately notified about any suspicious activity.
• Avoid Using Public Wi-Fi: When accessing your Zulily Credit Card account, avoid public Wi-Fi networks, as they are more susceptible to hacking. Use a secure network or a Virtual Private Network (VPN) for added protection.
• Keep Your Card Information Private: Never share your card number or personal details with anyone, and only enter your information on secure websites with HTTPS encryption.

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Conclusion

The Zulily Credit Card offers a range of benefits for frequent Zulily shoppers, including a rewarding points system, exclusive offers, and special financing options for larger purchases. While the card provides excellent perks for those who regularly shop on Zulily, its rewards and financing options are limited to the brand’s online store, which may not suit those looking for a more versatile card.

With strong security features, such as zero liability protection, fraud monitoring, and multi-factor authentication, the Zulily Credit Card ensures your account is well-protected from unauthorized transactions. However, its high APR and limited flexibility compared to other retail credit cards may not be ideal for all consumers.

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Heb Credit Card

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FAQs About Zulily Credit Card

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By Paisainvests

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