Review: Bealls Outlet Credit Card

Bealls Outlet (as well as its sister store Burkes Outlet), in partnership with Comenity Bank, offers a credit card you can use to earn rewards toward future Bealls Outlet or Burkes Outlet purchases. Our overview / review of the card is below:

The first thing to know about the Bealls Outlet credit card is that it can only be used at Bealls Outlet or Burkes Outlet stores, or Bealls Florida department stores, but nowhere else. This limited acceptance is a downside; if you’re going to open a new credit line, we’d prefer it be for a card that you can use widely, especially if your credit history is shaky. In the case of the Bealls Outlet card, you’ll take a temporary hit to your credit score when you get the card but you won’t be able to use your new credit widely.

That said, if your credit history is good, a short-term hit to your credit score is not a big deal, so maybe this card could be good for you. Let’s see what it offers. You get:

  • 2 points per dollar charged to the card. Every time you reach 200 points ($100 card spending), you’ll get a $5 reward coupon you can use toward a future purchase.
  • 10% off on purchases the day you apply and are approved for the card
  • 15% off your purchases on Monday or Friday, depending on your age. Those under 50 get the discount on Fridays, while those over 50 get the discount on Mondays.
  • Cardholder-only discounts throughout the year.

It’s a decent reward program, but we have one big problem with this card: the interest rate is 25.49%!!! That’s ridiculously high, and if you ever carry a balance on your credit cards, you do not want to mess with this one — the interest you pay will essentially cancel out any rewards you receive.

If you always pay on time, though, and you’d like to apply, the Bealls Outlet (and Burkes Outlet) credit card application can be found here.