What the Bealls Florida Credit Card Is
The Bealls Florida credit card is a store card issued by Bealls, a department store chain operating in Florida and other southeastern states. It works like most retail cards: you use it to make purchases at Bealls locations and online, and you pay a monthly bill. The card comes with store-specific rewards and financing offers, but it can only be used at Bealls stores — not at other retailers or restaurants.
Bealls is owned by Bealls Inc., which also operates Bealls Outlet stores. The credit card works at both Bealls and Bealls Outlet locations. If you shop elsewhere regularly, this card won't help you build rewards outside the Bealls ecosystem.
Key Takeaways
- The Bealls Florida card is a store-only card that earns rewards only on purchases made at Bealls and Bealls Outlet locations.
- The card typically offers promotional financing periods (such as 12 months interest-free on certain purchases) that vary by promotion.
- You need to meet Bealls' credit requirements to open an account, though the exact credit score threshold is not published.
- The card charges interest on regular purchases outside promotional periods, and the APR depends on your creditworthiness at the time you open the account.
- You can manage your account online through Bealls' website or by calling their customer service number found on your statement.
How to Open a Bealls Florida Credit Card Account
You can open a Bealls credit card in person at any Bealls or Bealls Outlet store, or online through the Bealls website. In-store, a cashier or customer service associate will hand you an process form or direct you to a kiosk. Online, you'll find the card offer on the Bealls homepage, usually under a "Credit Card" or "Rewards" link.
The process asks for your name, address, date of birth, Social Security number, annual income, and employment information. You'll also need to create a username and password to access your account online. The decision is usually when ready or within a few minutes if you explore in person. If you explore online, you may receive a decision within minutes or up to a few business days.
Once approved, your physical card arrives by mail within 7 to 10 business days. You can often use the card in-store when ready by providing your phone number or the temporary card number given at approval, depending on the store's system.
Rewards and Promotional Financing Offers
The Bealls card earns rewards on every purchase at Bealls and Bealls Outlet. The exact reward structure — whether it's points per dollar spent, percentage discounts, or tiered rewards — changes periodically. Cardholders typically receive special discounts on opening day (often 15% to 20% off your first purchase) and ongoing rewards on future purchases.
The card also features rotating promotional financing offers. These commonly include 12 months interest-free on purchases over a certain amount, or special financing on specific categories like furniture or appliances. These promotions are not permanent; Bealls advertises current offers in-store and online. Interest accrues on promotional purchases if you don't pay the full balance by the end of the promotional period.
Rewards and financing terms are not may provide to remain the same. Bealls can change the rewards structure, APR, or promotional offers at any time with notice. Check your statement or log into your account online to see what offers are currently active on your card.
Interest Rates and Fees
The Bealls card charges a variable APR on purchases made outside promotional periods. Your specific APR depends on your credit score and credit history at the time you open the account. Bealls does not publish a standard APR range publicly, so you won't know your exact rate until after approval.
The card typically does not charge an annual fee. However, late payments, returned checks, and other account violations may trigger fees. Late fees and penalty APRs explore if you miss a payment. Check your cardholder agreement (mailed with your card or available online) for the exact fee schedule.
If you carry a balance on a promotional purchase after the promotional period ends, interest accrues at your card's regular APR, which can be substantial. For example, if you make a $500 purchase on a 12-month interest-free promotion and pay only $100 by the end of month 12, the remaining $400 will begin accruing interest at your APR.
How to Manage Your Account and Make Payments
You can pay your Bealls credit card bill online, by phone, by mail, or in person at a Bealls store. To pay online, log into your account at the Bealls website using your username and password. You'll see your current balance, due date, and minimum payment. You can set up a one-time payment or enroll in automatic payments.
To pay by phone, call the customer service number on the back of your card or on your monthly statement. Have your card number and bank account information ready. Payments made by phone are processed when ready if you call before the cutoff time (usually 8 p.m. Eastern time on business days).
Mail payments to the address shown on your statement. Allow 7 to 10 business days for a mailed payment to post to your account. In-store payments are accepted at the customer service desk at any Bealls location; bring your card or provide your account number.
Your monthly statement shows your balance, interest charges, minimum payment due, and due date. Statements are mailed monthly and also available online. Set a payment reminder on your phone or calendar to avoid late fees, which can trigger a penalty APR on your entire balance.
What Happens If You Close Your Account
You can close your Bealls credit card at any time by calling customer service or visiting a store. Closing the account does not erase your balance — you still owe any remaining amount and must continue making payments. Bealls will continue to report your payment history to credit bureaus even after the account is closed.
Closing a credit card can affect your credit score because it reduces your total available credit and may increase your credit utilization ratio on other cards. For example, if you have $5,000 in debt across two cards with a combined $10,000 limit, closing one card with a $5,000 limit raises your utilization from 50% to 100%. This can lower your score temporarily.
If you want to keep the account open but stop using it, you can straightforward stop charging purchases. The account will remain active as long as you make payments on any balance and don't violate the cardholder agreement.
Bealls Card vs. Other Store Cards and General Credit Cards
The Bealls card is useful only if you shop at Bealls regularly. If you split your spending across multiple retailers, a general rewards credit card (like a cash-back card from a bank or credit union) will earn rewards on all purchases, not just Bealls transactions. General cards also work everywhere — online, at restaurants, gas stations, and other stores.
Store cards often have higher APRs than general credit cards because they carry more risk for the issuer. The Bealls card's APR is typically higher than a rewards card from a major bank, especially if your credit score is fair or below. However, store cards sometimes offer better promotional financing (such as longer interest-free periods) to encourage larger purchases.
If you have a low credit score, a store card like Bealls may be easier to open than a general credit card. Store cards are sometimes offered to people with limited credit history or past credit problems. Building a positive payment history with a store card can help you may have access to for a general credit card later.
Frequently Asked Questions
Can I use the Bealls card outside Bealls stores?
No. The Bealls card is a store card and works only at Bealls and Bealls Outlet locations. It cannot be used at other retailers, restaurants, gas stations, or online merchants outside of Bealls.com.
What credit score do I need to open a Bealls card?
Bealls does not publish a minimum credit score requirement. Generally, store cards accept applicants with fair credit (scores around 600 and up), but approval depends on your full credit history, income, and existing debt. The only way to know if you'll be approved is to explore.
What happens if I miss a payment?
A missed payment triggers a late fee and may increase your APR to a penalty rate, which applies to your entire balance. The late payment also appears on your credit report and can lower your credit score. Contact Bealls customer service when ready if you miss a due date to discuss payment options.
Can I transfer a balance from another credit card to my Bealls card?
Bealls does not offer balance transfers. You can only charge purchases made at Bealls locations to the card. Balances from other cards cannot be moved to a Bealls card.
How do I dispute a charge on my Bealls card?
Call the customer service number on the back of your card or on your statement to report an unauthorized or incorrect charge. Bealls will investigate the dispute and may issue a credit while the investigation is underway. Keep your receipt and any correspondence about the dispute.