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Bealls Credit Card Review

The Verdict

Bealls isn't a one-stop destination like retail giants Target and Walmart, but the store is a favorite of many Florida residents who enjoy their range of clothing, shoes, and household goods.

If you're one of those Floridians who shop at Bealls often, you may be considering its credit card to take advantage of the many rewards offered.

Bealls Florida card is good for loyal shoppers looking to rebuild credit responsibly.

But while store credit cards can be a very good way to establish a credit history and build up your credit score, they often come with a punishingly high APR — and the Bealls Florida credit card, issued by Comenity Bank, is no exception.

Frequent shoppers may find value with the Bealls Florida credit card by pairing it with the Coast2Coast Rewards program.

But unless you want to rebuild your credit and you also plan on paying off the balance in full every month to avoid the interest rate, you may be better off using another kind of rewards card for your Bealls purchases.

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Still, the Bealls Florida credit card is best for dyed-in-the-wool Bealls customers who are looking to build or rebuild their credit.

The Competition

You can simply use a cash-back card like the Amex EveryDay credit card or the Discover it on your Bealls purchases and let your purchase points pile up across retailers and transactions.

But store credit cards should be compared to other store credit cards, so how does the Bealls Florida credit card stack up against, say, Kohl's, arguably their biggest brick-and-mortar competitor?

How Bealls Florida credit card compares to Kohl's

Bealls Florida Kohl's
How high of credit score do you need? >600 >570
Average APR? 24.99% 21.99%
Annual fee? None None
How big of sign-up bonus do you get? 15% off first-day purchase Up to 30% off first-day purchase
How much do you need to spend to get the bonus? N/A N/A
How many points do you get for every dollar? 2 points 1 point
Any restrictions? Yes. Some top brands are excluded. Yes. Some products and brands are excluded.
If you spent $100 on the card, then how much would the points be worth in dollars? 200 points will get you $5, so .025 cents 100 points will get you $5, so 0.05 cents

The Question Everyone Is Asking

The Bealls Florida Credit Card can be good for frequent shoppers who are able to pay the balance in full to avoid the high APR.

But accessing the bulk of the advantages requires enrolling in the Bealls Coast2Coast Rewards program, which is separate than the Bealls Florida credit card.

To take full advantage of all the rewards and benefits Bealls offers, you'll have to jump through a hoop or three.

Creating and linking your accounts. You'll need to sign up for the Coast2Coast Rewards program, which can be done online at any time whether you have a card or not.

You'll have to register your account online with your name, email, address, and phone number, as well as set up a security question.

While you don't need a Bealls Florida credit card to enroll into this program, the card can definitely maximize the benefits. Your Rewards ID will be your 10-digit phone number.

Spending and getting your points. After you enroll into the Coast2Coast Rewards program, you'll get 2 points for every dollar you spend with your Bealls Florida credit card, as opposed to just 1 point per dollar with any other form of payment.

For every 200 points you accumulate, you'll earn a $5 reward, and you can earn up to $50 in rewards every month. That means for every $100 you spend, you'll earn $5 in rewards, which is essentially a 5% discount on your total purchase.

The Strengths

The Bealls Florida card's biggest strength is the rewards offered to dedicated and loyal Bealls customers.

There's no doubt that the Bealls Florida credit card gives its customers lots of opportunities to earn savings on top of more savings.

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All the benefits from the Coast2Coast Rewards programs can be combined with coupons, sales, discounts, special offers, and other exclusive cardholder perks.

In addition to Coast2Coast Rewards, those perks include:

Gold Customer status upgrade. Plan on spending more than $500 a year at Bealls Florida stores? You'll become a Gold cardmember, which will get you free shipping online.

Double points to double your rewards. You'll get a single point for every buck you spend on your Coast2Coast Reward membership, but Bealls Florida credit cardholders will get two points.

Additional opportunities to earn more. You'll be able to use Bealls Florida's generous coupons and deeply discounted sales along with your rewards and credit card to maximize savings. You'll also get a bonus during your birthday month.

The Weaknesses

A sky-high APR and lack of coverage make this store card more limited than most.

Store credit cards are almost always restricted to a range of services and offerings, and as a regional brand, the Bealls Florida credit card has more than its share of drawbacks.

There are Macy's and Kohl's all over the country and you can use your Walmart credit card at Sam's Club, but Bealls Florida credit cards are limited to, well, Florida.

Killer interest and fees can do serious damage. The APR is a fat 25.99%, which is high even by store credit card standards for those with bad credit.

If you open an account to rebuild your credit score, one missed payment will tack on a $27 late fee and set you back months.

To avoid this damage, make sure you pay your balance off in full each month.

Furthermore, the card won't work at Bealls in states other than Florida, Georgia, or Arizona, as those (like the ones in Texas) are actually owned by a separate nonaffiliated entity.

Who the Card Is Best For

You should get this card if you love Bealls and you want to rehab your bad credit.

If you enjoy the selections that Bealls offers for clothing and home items and you're looking for an easily-approved store credit card to help establish a credit history and raise your credit score, then the Bealls Florida credit card may be useful to you.

Of course, again, with the insane APR, you'll need to always pay the balance every month to get the full benefits.

The Card and the Company's History

Though Bealls is not a brand with nationwide recognition, it's been a household name in Florida for over 100 years.

But the Bealls name can be confusing to consumers when it overlaps with other entities with the same name.

When you're doing your homework on the Bealls Florida credit card, keep in mind that there are no less than three Bealls brands that shouldn't be confused or conflated.

Bealls Outlet stores. Though the outlet stores are related to the retail stores, the Bealls Florida credit card is not accepted at Bealls Outlet stores.

There are locations in Florida, Arizona, and Georgia, but they are located in 13 other states as Burkes Outlet, to avoid confusion with Bealls Texas.

Bealls Texas. This group is not affiliated with Bealls Florida and Bealls Outlet. It's among the portfolio of department stores owned by Stage Stores Inc. Stage offers its own credit card that includes their Bealls Texas brand, and shouldn't be confused with Bealls Florida.

Bealls Florida retail locations. There are more than 70 retail locations and they're all in Florida. Other than the website, this is the only place Bealls Florida credit cards are accepted.

Check out the store locator to see if a Bealls store is in your neighborhood.

How the Card Works

Hopefully, you've signed up for the Coast2Coast Rewards by the time you've applied for the card.

Enrolling in the program will enhance the benefits and discounts Bealls Florida offers, but beyond that, here are a few other features of the card:

Bare bones benefits, but can be combined with other rewards. There's no annual fee and of course, no foreign transaction fees, but cardmembers can get free shipping on online orders once they've been upgraded to Gold Customer status.

Beware of insanely high APR. The APR is 25.99%, which is higher than almost any store card we've seen. It's never a good idea to carry a balance on your card, but you'll definitely be punished for not paying off your balance each month.

Your monthly minimum payment will be $27 or the total balance if you owe less than that. Any interest that's charged will be no less than $1 even if the actual interest owed based on the APR is lower.

Probationary period after being late. Late payments come with a $27 fee the first time you're late. If you're late again within 6 months, it can run you up to $38. You'll also be charged $25 if any payment is returned.

And should your card get lost or stolen, you are not protected for any unauthorized use that may occur before you notify them. However, your liability won't be more than $50.

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Big names headline brand exclusion list. If you enjoy shopping at Bealls Department Stores because they offer brands like Nike, Columbia, Under Armour, and Levi's, know that those labels and others are excluded from in-store offers like 15% off on your first-day purchase.

However, the brand exclusion does not apply to Coast2Coast Rewards.

What People Love About It

As a brand that's been entrenched in the region for over a century, Bealls has a pretty loyal following in Florida. Many people love the clothing choices, the consistent coupon offerings, and the experience of shopping there.

Credit card enhanced shopping experience. For a store card with a high APR, the Bealls Florida credit card gets plenty of love.

Social media alerts you to more savings.

Looking online for coupons, signing up for their email list, and following their Facebook and Twitter accounts can yield more discounts.

Rewards program makes shopping even more rewarding. Kelly Tyko, the Bargainista at TCPalm, says that the "Bealls' new Coast2Coast Rewards program is for everyone."

She reminds us that anyone not taking advantage of rewards programs from retailers is missing out, even if you don't shop there often.

Biggest Consumer Complaints

Financial experts agree store credit cards have many pitfalls.

As a store credit card, consumers seem to be aware and accepting of the limitations of the Bealls Florida credit card, APR warts and all.

But financial gurus are quick to point out how store credit cards, in general, may not be helpful at all.

Lackluster benefits package. Our friends at Credit Panda point out that the rewards on the Bealls Florida credit card don't have as much variety as similar cards do. Walmart, Costco, and BJ's, for example, offer gas points on their store credit cards.

Carrying a balance isn't rewarding. Opening a store credit card that you're unable to pay off in full every month is counter-productive. The APR is far too high to keep a balance, so you have to keep your balance paid off.

Key Digital Services

The Bealls Florida online shopping experience leaves a lot to be desired.

If you're familiar with the reliability of shopping online through Amazon or Walmart, you may be disappointed with BeallsFlorida.com.

who checks online reviews before buying

Bad inventory management impacts orders. Reviews report that items appear to be shipped from whatever location has the item in stock.

This can create problems where inventory can be misplaced or labeled inaccurately and lead to unfulfilled and canceled orders.

Unfortunately, this appears like a common problem with Bealls.

why digital shoppers abandon their carts

Inconsistencies between what you see and what you get. Customers report getting different colors and models of what they saw online.

Even worse, some people have noticed the pricing can be inconsistent.

Returning items is a pain. Whether you pay out of your own pocket to ship items back or you have to go into a Bealls Florida location to return something, it's not fun to take time out of your day to wait for customer service, especially when it's their mistake.

How to Sign-up for the Card

Decide whether you want to apply online or in-store.

Both are eligible for an additional 15% off purchases made on the first day.

But true bargain hunters may want to scout local locations for sales and clearances for extra savings.

This is a card where you may want to apply in-store, as store credit cards often have special deals that incentivize customers to visit in-person.

Don't be discouraged by bad credit. With modest credit lines and high APRs, store credit cards allow issuers to take on a bit more risk with consumers, which means you don't need a great credit history to be approved for the Bealls Florida credit card.

Even those with poor and fair credit by FICO and VantageScore standards can get a store credit card.

Applying at Bealls Florida locations. Simply talk to a sales associate about applying for a store credit card.

You'll be directed to fill out an application, so make sure you have ID with you. You should know within minutes if you're accepted.

How to apply online. If you do go online to apply, make sure you're prepared to give your full name, social security number, date of birth, your annual income, and contact information that includes your mailing address, email address, mobile and alternate phone numbers.

You'll know in a few minutes whether you're approved or not.

Using your account online. Once you're approved and set up, you can use your account online to make payments, check your balance, transactions, and statements, and manage your Coast2Coast Rewards.

But if you want a credit line increase, you'll have to call the customer service line at 1-866-907-5594.

How to Close Your Account

Unfortunately, there is no very easy way to close your Bealls Florida credit card, at least not as easy as you'd probably like.

You can try sending them a message after signing into the website, but the best way to completely close your credit card account is to call the Customer Care line at 1-866-907-5594.

FAQ

Here are the answers to the most frequently asked questions (FAQ) about the Bealls Florida credit card:

  • How can I reach Gold Status?

    You'll achieve Gold Status status by spending at least $500 a year at Bealls with your card.

  • Can I use my card online at BeallsFlorida.com?

    Yes, as well as your Coast2Coast Rewards.

  • What is the Coast2Coast Rewards program associated with this card?

    The Coast2Coast Rewards program is the Bealls customer loyalty program that is enhanced with the Bealls card.

    You don't actually need to have a Bealls Florida credit card, but you'll get double points if you do.

    You'll also get plenty more benefits and points that can lead to more rewards.

  • Will I get free shipping if I use my card online?

    Once you achieve Gold Status, yes.

    Of course, the free shipping only applies to beallsflorida.com.

  • Where and how can I redeem my points?

    You can redeem your Coast2Coast Rewards either online or in the store.

    To redeem them online, enter your Reward Barcode ID in the Promotion Code field before you complete your order.

    To redeem them at a Bealls store, present your Coast2Coast Reward to the associate during your purchase.

  • Is there an expiry date to my reward points?

    Yes, but rewards and points are different here.

    You'll need to earn 200 points to get a Reward the next month, and any points not converted will roll over.

    Points expire after 1 year, and Rewards expire after 2 months.

  • How can I cancel my card?

    There's no way to do this through the website on your own with a simple click.

    You'll have to call Customer Care at 1-866-907-5594 (TDD/TTY: 1-800-695-1788), or you can shoot them a message after signing into the website.

  • Where and what can I use my credit card for?

    Your Bealls Florida credit card can be used for purchases at one of the company's more than 70 retail locations in Florida, or online at BeallsFlorida.com.

    Unfortunately, it can't be used anywhere else.

    Bealls stores in other states require a different card, as they actually belong to a different corporation.

  • How long does it take to refund my credit card?

    It can take up to 10 business days to refund your credit card.

  • How and where can I redeem the membership rewards?

    You can redeem your Coast2Coast Rewards either in a Bealls Florida store or online.

  • What are the shopping benefits attached to the use of this card?

    You'll earn double points for every buck you spend when you use your Coast2Coast Rewards membership with your card.

    After 200 points, you'll earn $5 - up to $50 per month.

  • How can I check my credit card balance?

    Checking your balance is as simple as logging into your account at Bealls Florida.

  • Can I withdraw money from my credit card?

    You won't be able to withdraw cash from your Bealls Florida credit card.

  • Can I get a cash advance and are there any related fees?

    Store credit cards are very limited in their services and the Bealls Florida credit card is no exception.

    You won't be able to get a cash advance.

  • Can I pay for the credit card with a gift, a different credit card, or PayPal?

    No. You'll have to pay by mail with a check or money order or online with your bank account.

  • Can I use my credit card without the card?

    Yes. Whether you apply in-store or online, you'll be able to use your new account number to make purchases immediately.

  • How do I add an authorized user to my credit card?

    You can add an authorized user by going to the My Profile page and logging into the Account Center.

    There will be an option to select the authorized buyer's section and you can add up to 4 users.

    You'll also be offered the option to add one if you apply online.

  • Are there any upgrades on this credit card?

    Yes. If you spend more than $500 with your Bealls Florida credit card, you'll be upgraded to Gold Status.

  • How soon can I use my credit card once I receive it?

    Immediately. You can even use your account before you receive the physical card.

  • How do I contact the credit card services?

    You can call Bealls Florida credit card customer service at 866-907-5594.

  • How do I report my credit card as stolen?

    Call them immediately at 1-866-907-5594 (TDD/TTY: 1-800-695-1788).

  • What credit score do I need to get approved for the card?

    People have reported getting approved with fair to average credit, so around the mid-600s.

  • What credit score do I have to maintain so my account is not closed?

    As long as you are using the card, making monthly payments on time, and staying within your credit limit, your account isn't in danger of being closed no matter what your score is.

  • Will my credit score drop if my account gets closed?

    It's hard to say with absolute certainty, but since closing an account usually results in a lower credit utilization, it's possible your credit score may drop.

  • Which credit bureaus do Bealls Florida credit card report to?

    The Bealls Florida credit card uses Comenity Bank and they generally report to and pull from Experian. However, it's very difficult to say for sure since that information isn't typically available to consumers.

  • Can I build my credit with the Bealls Florida credit card?

    Yes. The Bealls credit card can help you build credit as long as you make payments on time and keep your credit utilization low.

  • Is there an expiry date on the card?

    No. Expiration dates on credit cards are currently being phased out, and the Bealls Florida card has removed them.

  • Is there a credit insurance program and how will it cover me if I lose my job?

    Unfortunately, Bealls Florida does not offer credit insurance in case you lose your job.

  • Can I have two credit cards from Bealls at the same time?

    Yes, kind of. You can be an authorized user on another Bealls Florida credit card in addition to your own card.

  • Can I transfer money from my Bealls credit card to another?

    No. Store credit cards don't typically offer money transfers.

  • Is it hard to get a Bealls' credit card?

    Not really. Online reviews report that even the low end of the fair or average credit score range is enough to get accepted.

  • How long does it take to receive the card once I have been approved for it?

    It can typically take up to 10 business days to receive your card in the mail after you've been approved.

  • How do I get more reward points?

    The more you spend at Bealls, the more you can earn.

    You'll get two points for every $1 you spend with your Bealls Florida credit card.

    You can also earn more points by keeping an eye out for special offers.

  • What can you use Coast2Coast Rewards points for?

    Two hundred points will get you $5, and you can earn up to $50 a month.

  • Does Bealls Florida card cover rental car insurance?

    Although they offer an extensive line of clothing, shoes, and household goods and accessories, Bealls Florida does not currently offer car rentals or rental car insurance.

For loyal and local Floridians, the Bealls Florida credit card might be the smart choice

The savvy Bealls Florida consumer/ambassador who spends a lot of money and knows how to take advantage of their wide range of sales, special offers and discounts may find a lot to like about the Bealls Florida credit card—especially if they're rebuilding their credit and can pay their balance off every month.

But this card is just about useless to the occasional Bealls shopper, and they'd be better off using another kind of rewards card there.

Do you use the Bealls Florida credit card?

How has the card worked out for you?

Any great tips (or nightmares) to share with the rest of us?

Let us know in the comments below.


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