The Bealls Credit Card is a store-branded card issued by Comenity Bank, tailored for loyal shoppers at Bealls, Bealls Florida, Bealls Outlet, Burkes Outlet, and Home Centric.
Designed to reward frequent customers, this credit card offers several exclusive perks and savings opportunities.
Upon opening a new account and making your first in-store purchase, cardholders receive 10% off as a welcome offer.
The card is linked to the Bealls Rewards Program, allowing users to earn a $5 reward for every $100 spent. These rewards can be redeemed on future purchases, making it a cost-effective tool for regular shoppers.
Additional benefits include a 20% off birthday reward, special promotional events, and access to exclusive sales throughout the year.
One of the most appealing features of the Bealls Credit Card is that it has no annual fee, making it easy to maintain without extra cost.
However, like many store cards, it comes with a relatively high APR, so carrying a balance could lead to significant interest charges.
The card is accepted only at affiliated Bealls stores and their online platforms. Overall, it’s a smart choice for shoppers who frequently visit Bealls and want to earn rewards while enjoying personalized discounts.
Key Features and Benefits
The Bealls Credit Card, issued by Comenity Bank, is designed with loyal Bealls shoppers in mind.
Whether you’re browsing in-store or online at Bealls, Burkes Outlet, or Home Centric, this card offers a range of perks to enhance your shopping experience.
From discounts and rewards to birthday bonuses, here’s a look at the top features and benefits you can enjoy:
🛍️ Welcome Discount
- Save 10% on your first in-store purchase the day you open your account.
🎁 Bealls Rewards Program
- Earn $5 in rewards for every $100 spent.
- Rewards are issued monthly and valid for 12 months.
🎂 Birthday Reward
- Receive 20% off one item during your birthday month.
🛒 Exclusive Shopping Events
- Get early access to special sales, promotions, and cardholder-only events.
💳 No Annual Fee
- Enjoy all the benefits with no yearly membership cost.
📱 Easy Online Management
- View statements, pay bills, and manage your account online via Comenity Bank’s secure platform.
🏬 Where It’s Accepted
- Bealls Florida
- Bealls Outlet
- Burkes Outlet
- Home Centric
- Bealls.com
Pros and Cons of the Bealls Credit Card
Here’s a clear and concise breakdown of the Pros and Cons of the Bealls Credit Card to help you decide if it’s the right fit for your shopping habits:
✅ Pros of the Bealls Credit Card
- 10% Welcome Discount: Save instantly on your first in-store purchase.
- Reward Earnings: Earn $5 for every $100 spent—easy savings for frequent shoppers.
- Birthday Perks: Enjoy 20% off one item during your birthday month.
- No Annual Fee: Keep the card without any yearly cost.
- Exclusive Offers & Events: Access to special sales and cardholder-only promotions.
- Easy Online Access: Manage your account, payments, and rewards through Comenity Bank’s online portal.
❌ Cons of the Bealls Credit Card
- Limited Use: Can only be used at Bealls, Bealls Outlet, Burkes Outlet, Home Centric, and their websites.
- High APR: Interest rates are relatively high, which could lead to debt if balances aren’t paid in full each month.
- No Major Network Backing: Not a Visa, Mastercard, or Amex, so it can’t be used outside affiliated stores.
- Rewards Cap: Limited reward value compared to general cashback or travel credit cards.
Bealls Credit Card Requirements
To apply for the Bealls Credit Card, issued by Comenity Bank, you’ll need to meet a few eligibility criteria and provide standard financial and personal details.
Credit Score
A fair credit score or better is generally required. While there’s no official minimum published, applicants typically need a credit score of 580 or above to be considered.
Personal Information Needed
You will be asked to provide:
- Full legal name
- Date of birth
- Social Security Number (SSN)
- Residential address
- Phone number and email address
- Total annual income
Where to Apply
You can apply for the Bealls Credit Card online through Comenity Bank’s official website or in person at any Bealls family store location.
Approval Process
Approval is subject to a credit check by Comenity Bank. They may evaluate your credit history, income level, and other financial factors.
Important Notes
The Bealls Credit Card is a store-only card, meaning it can’t be used outside of Bealls, Burkes Outlet, Home Centric, or their websites. It also typically carries a high APR, so it’s best used if you plan to pay off balances in full each month.
How to Apply for a Bealls Credit Card
Applying for a Bealls Credit Card, issued by Comenity Bank, is a straightforward process. Here’s how you can apply:
To apply for a Bealls Credit Card, you have two options: online or in-store.
If you choose to apply online, visit the Bealls Credit Card application page. After selecting the type of Bealls card you wish to apply for, such as Bealls Florida, Bealls Outlet, or Burkes Outlet, click the “Apply” button.
You will then be prompted to enter your personal information, including your full name, date of birth, Social Security Number (SSN), residential address, email address, phone number, and annual income. Once you’ve filled out the form, submit the application.
In many cases, you’ll receive an instant decision, but if additional verification is required, it may take 7-10 business days.
Alternatively, you can apply in-store at any Bealls, Bealls Outlet, Burkes Outlet, or Home Centric location. Visit a store, ask an associate for an application, and fill out the necessary details with their help.
When applying, ensure you meet the general requirement of a fair credit score, typically 580 or higher. You’ll also need to provide personal details such as your SSN and income.
If your application is approved, your Bealls Credit Card will be mailed to you within 7-10 business days. Once received, you can begin using it at Bealls and its affiliated stores to enjoy rewards and discounts.
Interest Rates and Fees
Here is the overview of the Interest Rates and Fees for the Bealls Credit Card:
Interest Rates:
- Regular Purchase APR: 35.99%
- Cash Advance APR: Not applicable, as cash advances are not allowed with this card.
- Penalty APR: Not applicable, as there is no penalty APR for this card.
- Minimum Interest Charge: $2.00 per billing period if interest is due.
Fees:
- Annual Fee: $0
- Late Payment Fee: Up to $41
- Overlimit Fee: $0
- Returned Payment Fee: Up to $41
- Foreign Transaction Fee: $0
- Paper Statement Fee: $1.50 per statement if you opt to receive paper statements instead of electronic ones.
Grace Period:
- Grace Period: At least 25 days after the close of each billing cycle to pay your balance in full before interest is charged on new purchases.
Conclusion
The Bealls Credit Card is a solid option for frequent shoppers at Bealls, Bealls Outlet, Burkes Outlet, and Home Centric stores.
With no annual fee and the ability to earn rewards for every purchase, it offers value to loyal customers. Cardholders can take advantage of exclusive discounts and savings when shopping at these stores, making it a great tool for those who shop regularly.
However, it’s important to consider the card’s high interest rate of 35.99%, which can lead to significant charges if balances are not paid in full each month.
While the card offers a grace period of at least 25 days to avoid interest on new purchases, carrying a balance could result in expensive interest accrual.
Additionally, while there are no fees for foreign transactions or exceeding the credit limit, late payment fees and returned payment fees of up to $41 can add up. The paper statement fee of $1.50 is another minor cost to keep in mind.
In conclusion, the Bealls Credit Card can be a useful financial tool for those who shop frequently at affiliated stores, but it’s essential to manage the card responsibly. Avoiding carrying balances and paying on time will help you make the most of its benefits.
