Bealls Credit Card – Is the Bealls Credit Card Worth It?

Are you a fan of Bealls’ budget-friendly fashion and home goods? If so, you may have considered signing up for the Bealls Credit Card to earn rewards on your purchases. But before you apply, it’s essential to understand the card’s features, fees, and overall value.

In this article, we will cover the Bealls Credit Card, examining its benefits, drawbacks, and whether it’s truly worth adding to your wallet.

A Brief History of Bealls

Before we look at the nitty-gritty of the Bealls Credit Card, let’s take a quick look at the company’s origins. Bealls, Inc. traces its roots back to 1915 when Robert M. Beall opened a dry goods store called The Dollar Limit in Bradenton, Florida. True to its name, the store sold all its merchandise for $1 or less, catering to budget-conscious shoppers.

Fast forward to today, and Bealls has evolved into a popular department store chain with 68 locations across Florida. The company’s portfolio now includes Bealls, Bealls Florida, Home Centric, and Rugged Earth Outfitters, all of which accept the Bealls Inc. Credit Card.

Benefits of the Bealls Credit Card

Now, let’s explore the key benefits that the Bealls Credit Card offers:

Rewards Program

Earn 5% back in rewards on all Bealls purchases when you use your Bealls Credit Card
Earn 2% back in rewards on all Bealls purchases when you use another form of payment and present your Rewards Card at checkout

Special Financing Options

Access to special financing offers on qualifying purchases
These offers may include deferred interest or no-interest plans for a set period

Exclusive Cardholder Perks

Receive exclusive cardholder discounts and promotions
Early access to sales and special events

Features of the Bealls Credit Card

Now that we’ve covered the benefits, let’s take a closer look at the card’s features:

Credit Limits

The credit limit you receive for your Bealls Credit Card will depend on your creditworthiness and income level. Typically, credit limits range from $300 to $5,000.

Interest Rates

As of February 2024, the Bealls Credit Card has a variable Annual Percentage Rate (APR) of 29.99%. This high APR means that carrying a balance from month to month can quickly become expensive.

Accepted Locations

The Bealls Credit Card can only be used at Bealls, Bealls Florida, Home Centric, and Rugged Earth Outfitters stores and websites. It cannot be used anywhere else, limiting its utility.

Costs and Fees

Like most credit cards, the Bealls Credit Card comes with a few fees to be aware of:

Annual Fee

There is no annual fee for the Bealls Credit Card.

Late Payment Fee

If you miss a payment due date, you may be charged a late payment fee of up to $40.

Cash Advance Fee

Cash advances are not available with the Bealls Credit Card.

How to Apply for the Bealls Credit Card

Applying for the Bealls Credit Card is a straightforward process. You can apply online, over the phone, or in-store at any Bealls location.

Online Application

Visit the Bealls website and look for the “Credit Card” or “Apply Now” link. Follow the prompts to complete the online application, providing personal and financial information.

In-Store Application

You can also apply for the Bealls Credit Card at any Bealls store location. Simply ask a sales associate for an application, and they’ll guide you through the process.

Required Information

Regardless of the application method, you’ll need to provide the following information:

Full legal name
Date of birth
Social Security number
Current residential address
Total annual income
Employment information

Activating Your Bealls Credit Card

Once your application is approved, you’ll receive your new Bealls Credit Card in the mail within 7-10 business days. Before you can start using it, you’ll need to activate the card.

Activation Steps

Locate the sticker on your new card that provides the activation phone number and website.
Call the activation number or visit the website and follow the prompts.
Provide the requested information, such as your name, address, and the last four digits of your Social Security number.
Create a Personal Identification Number (PIN) for making purchases that require a PIN.

Managing Your Bealls Credit Card Account

After activating your card, you’ll want to familiarize yourself with managing your account online and making payments.

Online Account Access

Visit the Bealls Credit Card website and click on the “Register” or “Enroll” link to create an online account. You’ll need to provide your credit card number, billing zip code, and other personal information to verify your identity.

Forgotten Login Details

If you forget your login credentials, you can easily reset your password or retrieve your username by following the prompts on the website.

Making Payments

You can make payments on your Bealls Credit Card in several ways:

Online: Log in to your account and follow the prompts to make a payment from your linked bank account or debit/credit card.
By Phone: Call the customer service number on the back of your card to make a payment over the phone.
By Mail: Send a check or money order to the payment address listed on your monthly statement.
In-Store: Visit any Bealls location and make a payment at the cash register.

Is the Bealls Credit Card Worth It?

Now that we’ve covered all the details, let’s address the burning question: Is the Bealls Credit Card worth getting?

The short answer is: It depends.

If you’re a frequent Bealls shopper and can take advantage of the 5% rewards rate and special financing offers, the card may be worth considering. However, keep in mind that the high APR means carrying a balance can quickly negate any rewards earned.

The card’s limited acceptance at only Bealls-owned stores and websites restricts its overall utility. If you’re looking for a more versatile credit card that can be used anywhere, you may want to explore other options.

Alternatives to the Bealls Credit Card

If the Bealls Credit Card doesn’t seem like the right fit for you, here are a few alternative credit card options to consider:

Cash Back Credit Cards

Citi Double Cash Card: Earn 2% cash back on all purchases (1% when you buy, 1% when you pay)
Bank of America Cash Rewards Credit Card: Earn 3% back in a category of your choice, 2% back at grocery stores and wholesale clubs, and 1% back on everything else

Travel Rewards Credit Cards

Chase Sapphire Preferred Card: Earn 2x points on travel and dining purchases
Capital One Venture Rewards Credit Card: Earn 2x miles on every purchase

Store Credit Cards with More Flexibility

Amazon Prime Rewards Visa Signature Card: Earn 5% back at Amazon and Whole Foods
Target RedCard: Enjoy 5% off every Target purchase (debit or credit card version available)

Conclusion

The Bealls Credit Card can be a valuable addition to your wallet if you’re a loyal Bealls shopper and can take full advantage of the rewards and special financing offers. However, its high APR and limited acceptance make it less appealing for those who prefer more versatile credit card options.

Ultimately, the decision to apply for the Bealls Credit Card should be based on your shopping habits, financial situation, and credit card needs. By carefully weighing the pros and cons, you can determine whether this card is the right fit for your lifestyle and spending patterns.

Remember, responsible credit card usage is key to maximizing rewards and avoiding costly interest charges. Whichever card you choose, be sure to make timely payments and keep your balances low to maintain a healthy credit score and financial well-being.