4
Benefits4
Reward Categories5x
Max Reward30.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 4 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Bealls Florida Purchases | 5x | Points | Purchases made at Bealls Florida stores and beallsflorida.com | No Cap | |
| Gas | 2x | Points | Purchases made at gas stations | No Cap | |
| Groceries | 2x | Points | Purchases made at grocery stores | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases everywhere else Mastercard is accepted | No Cap |
Rewards Summary
PENDINGReward Type: Rewards Dollars
Base Rate: 1x
Bonus Rate: 3x
Categories: Purchases at Bealls Florida stores and beallsflorida.com
Quarterly Rotating: No
Expiration Policy: Rewards Dollars expire 12 months from the date they are earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption of $10 Rewards Dollars required. Rewards Dollars are only redeemable for purchases at Bealls Florida stores and beallsflorida.com.
Benefits & Protections (Detailed) 4 Total
PENDINGShopping 4
Accelerated Rewards on Brand Purchases
2 points per $1Earn 2 rewards points for every $1 spent on purchases made at Bealls Florida, Bealls Outlet, Home Centric, and Rugged Wearhouse stores, and online at beallsflorida.com, beallsoutlet.com, and homecentric.com.
Standard Rewards on All Other Purchases
1 point per $1Earn 1 rewards point for every $1 spent on all other purchases where Mastercard is accepted.
Rewards Certificate Redemption
$10 per 200 pointsFor every 200 points earned, cardholders will receive a $10 Bealls Florida Rewards Certificate. Certificates are valid for 90 days from issuance and can be used at Bealls Florida, Bealls Outlet, Home Centric, and Rugged Wearhouse stores and online.
New Account First Purchase Discount
20% offReceive 20% off your first purchase when you open and use your new Bealls Florida Mastercard. Offer valid only on the day your account is opened. Subject to credit approval.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 30.24% - 34.24%
Cash Advance APR: 34.24%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility requires applicants to be 18+ years old, possess a valid U.S. Social Security Number or ITIN, and have a U.S. mailing address. Approval for the Mastercard version typically requires good to excellent credit (FICO score generally 670+), with BreadFinance reviewing credit history, income, and existing credit obligations. New cardholders are eligible for a 20% discount on their first Bealls Florida purchase made within 30 days of account opening (up to a maximum discount of $100). Additionally, earn a $25 statement credit after spending $500 outside of Bealls Florida within the first 90 days.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: BreadFinance generally does not impose complex 'card family' rules or 'once-per-lifetime' bonus restrictions across different store brands. However, the sign-up bonus for the Bealls Florida Mastercard is typically limited to one per customer per account lifetime. Closing the card may result in the loss of accumulated Bealls Florida loyalty points or tier status associated with the card.
Special Events: Exclusive cardholder-only shopping events, early access to seasonal sales, and special discount days (e.g., 'Cardholder Appreciation Day') offering additional percentage off purchases at Bealls Florida stores and online. Cardholders may also receive special financing offers on qualifying Bealls Florida purchases.
Holiday Promos: Enhanced rewards or special financing offers are typically available during major retail holidays such as Black Friday, Cyber Monday, the broader Christmas/Holiday Season (November-December), Mother's Day, and Memorial Day sales.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Initial discount offers are attractive, good for frequent Bealls shoppers, relatively easy approval for fair credit.
Top Negative:
High APR, poor customer service experience, frequent credit limit reductions, difficult to manage online.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One Platinum Mastercard
- Discover it Secured Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $75.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023