Review: Bealls Credit Card

Bealls Florida department stores offer a credit card in partnership with Comenity Bank that allows you to earn points toward future Bealls store purchases. Our overview / review of the card is below:

The Bealls credit card is only accepted at Bealls stores. This limited acceptance should give you pause — is it really worth it to open a new credit line for a card you can not use widely?


If you are a frequent Bealls shopper, it could make sense. Let’s look at the Bealls rewards program to see the benefits. You get:

  • 2 points for every dollar charged to the Bealls credit card. (You also get 1 point per dollar at Bealls even if you use other forms of payment). Get a $5 rewards certificate for every 200 points earned.
  • If you spend more than $500 annually with the card, you get a few more discounts for your “Star” status.

That’s about it. You essentially get 5% of your purchases rewarded to you for future purchases at Bealls. Do you shop at Bealls often enough for that to be worth your time and credit history?

Because you will definitely want to make note of the Bealls credit card interest rate: 26.49%!! That’s a very high rate! If you ever carry a balance on your credit cards, the last thing you need is to add a new one with such a high rate. The interest you pay on this card will easily cancel out any rewards you receive.

As you can see, we’re not sold on the benefits of the Bealls credit card, but if you’re determined to apply, you can do so right now with this online application.