Bealls Florida Credit Card
Basic Information
Program ID: bealls-florida-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Unknown
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:19
Last Scraped: 01/15/2026 12:21
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 3,224.00% - 3,224.00%
Intro Purchase APR: 0.00%
Intro BT APR: 0.00%
Cash Advance APR: 3,299.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No traditional sign-up bonus (e.g., points/cash after spending) was found advertised on the public home page for the Bealls Florida Credit Card as of January 2026. Store cards often feature first-purchase discounts or ongoing rewards programs rather than a spend-based welcome bonus on their public landing pages.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x on Bealls Florida purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months from issuance or 24 months of account inactivity, whichever comes first.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, or Equifax)
Issuer Rules
Rules: Eligibility for the Bealls Florida Credit Card (issued by BreadFinance) typically requires applicants to be at least 18 years of age, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria. While store cards can be more accessible, a reasonable credit history is generally expected. Bonus rules for 2026 are projected to follow typical store card patterns, such as a one-time discount on the first purchase (e.g., 20% off) or a specific dollar amount off a qualifying purchase upon account opening. Ongoing benefits usually include exclusive cardholder discounts, special financing offers on Bealls Florida purchases, and potentially a rewards program for spending at Bealls Florida stores.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across all BreadFinance accounts, defaulting on payments, suspected fraudulent activity, rapid succession of credit applications, unusual spending patterns inconsistent with typical retail card use, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy to get approved, offers good discounts and rewards for frequent Bealls Florida shoppers, can help build credit history.
Top Negative Feedback:
High interest rates, limited use outside of Bealls Florida stores, customer service can be inconsistent.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Platinum Secured Credit Card
- Discover it Secured Credit Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2024.03