Bealls Florida Credit Card

BreadFinance Pending

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2

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: bealls-florida-credit-card

Issuer: BreadFinance

Card Name: Bealls Florida Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:19

Last Scraped: Feb 02, 2026 17:47

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible active duty Servicemembers may qualify for benefits under the Servicemembers Civil Relief Act (SCRA), including an interest rate reduction to 6% on existing balances if the account was opened prior to active duty.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Bealls Florida Purchases 2x Points Earn 2 points for every $1 spent at Bealls Florida stores and beallsflorida.com. No Cap
All Other Purchases 1x Points Earn 1 point for every $1 spent everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 2 Total
PENDING
Shopping 2
Rewards Program - Points Earning
2 points per $1 spent

Earn 2 points for every $1 of Net Eligible Purchases made with your Bealls Florida Credit Card at Bealls Florida stores and beallsflorida.com. Points are rounded to the nearest whole number. Points are not earned on purchases made at Bealls Outlet, Home Centric, or Rugged Wearhouse stores, returns, credits, gift cards, or as payment on your account.

Rewards Program - Certificate Redemption
$10 certificate for every 200 points

For every 200 Program Points earned, cardholders will receive one $10 Bealls Florida Rewards Certificate. Certificates are issued in increments of $10, expire 90 days from the date of issuance, and can be redeemed for merchandise at Bealls Florida stores and beallsflorida.com. Certificates have no cash value and cannot be used for previous purchases, gift cards, or as payment on your account.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ No interest will be assessed on the promotional purchase if you pay the promotional purchase amount in full within 6 or 12 months from the purchase date. If you do not, interest will be assessed on the promotional purchase from the purchase date. Minimum monthly payments are required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requirements for the Bealls Florida Credit Card (2026) include being at least 18 years of age, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a verifiable U.S. mailing address, and meeting BreadFinance's creditworthiness criteria. The typical bonus rule for new cardholders is a one-time discount (e.g., 15-20% off) on their first purchase made within 30 days of account opening. This card is primarily designed for use at Bealls Florida stores and associated brands.

Max Cards Per Issuer: 1

Min Spend Interval: First purchase within 30 days

Shutdown Risk Triggers: High credit utilization, missed or late payments, suspected fraudulent activity, account inactivity for extended periods, rapid application for multiple BreadFinance (Comenity) cards within a short timeframe, or significant changes in credit profile.

Cliff Effect Rules: As a store-specific credit card, there are generally no complex 'card family' or 'cliff effect' rules similar to premium travel cards. The primary 'cliff effect' would be the loss of cardholder-exclusive discounts, special financing offers, and access to loyalty program benefits tied to the card upon account closure.

Special Events: Cardholders frequently receive exclusive discounts, early access to sales, and bonus rewards during Bealls Florida's seasonal clearance events, anniversary sales, and other store-wide promotional periods.

Holiday Promos: Expect enhanced rewards, special financing options (e.g., 0% APR for a limited time on qualifying purchases), and additional discounts during major shopping holidays such as Black Friday, Cyber Monday, Christmas, Mother's Day, and Memorial Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy to get approved, offers good discounts and promotions at Bealls Florida, can help build credit history.

Top Negative:
High Annual Percentage Rate (APR), limited use only at Bealls Florida, customer service can be slow, frequent credit limit adjustments.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One Platinum Secured Card
  • Target RedCard
  • Discover it Secured

Card Value Score: 45.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023