Z Gallerie Credit Card: What Happened and What You Should Know Now

If you’re looking for information about the Z Gallerie Credit Card, you’re not alone. This store-branded card used to offer financing perks for home décor lovers, but as of 2024, it’s no longer available to new applicants. Here’s what happened—and what your alternatives are today.

Is the Z Gallerie Credit Card Still Available?

No. The Z Gallerie Credit Card, issued by Comenity Bank, is no longer open to new applications. This change came after Z Gallerie’s acquisition by Karat Home Inc. in early 2024 and the closure of its physical stores in late 2023.

What About Existing Cardholders?

If you already have a Z Gallerie Credit Card:

  • Card holders can manage your account online via Comenity’s portal.

  • Customer service is available at (877) 622-5314 for billing or account questions.

  • However, there are no new benefits or updates, and the card is being quietly phased out.

Shopping at Z Gallerie Today

You can still shop online at zgallerie.com using:

  • Major credit cards (Visa, Mastercard, AmEx, Discover)

  • PayPal

  • Klarna

This gives you flexibility without needing a store card.

Looking for Alternatives?

While the Z Gallerie Credit Card is no longer available, consider these other options if you’re furnishing your home:

Card Name Best For Perks
Wayfair Credit Card Online furniture shopping Special financing + rewards on Wayfair brands
Lowe’s Advantage Card Home improvement purchases 5% off or special financing options
American Express Blue Cash Everyday home and decor spending 3% cash back on online purchases and groceries
Capital One SavorOne Stylish spending flexibility 3% cash back on entertainment and dining

Final Thoughts

The Z Gallerie Credit Card may be gone, but financing and rewards for home décor purchases are still widely available. Whether you’re redecorating a room or furnishing a new space, there are plenty of better, broader credit options out there today.