Bealls Inc. Credit Card (Bealls Florida) Review: Rewards, Fees & Benefits

Rewards

Category	Rate	Type	Cap
Bealls Florida Purchases Purchases made at Bealls Florida stores and beallsflorida.com	2x	Points	No cap
All Other Purchases Purchases made anywhere Visa is accepted (excluding Bealls Florida purchases)	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Bealls Florida Credit Card Rewards Earning (In-Store/Online) Earn 2 points for every $1 spent on eligible purchases at Bealls Florida stores and beallsflorida.com when using the Bealls Florida Credit Card.	Shopping	2 points per $1
Bealls Florida Mastercard Rewards Earning (Everywhere Else) Earn 1 point for every $1 spent on eligible purchases everywhere else Mastercard is accepted when using the Bealls Florida Mastercard.	Shopping	1 point per $1
Bealls Florida Mastercard Rewards Earning (In-Store/Online) Earn 2 points for every $1 spent on eligible purchases at Bealls Florida stores and beallsflorida.com when using the Bealls Florida Mastercard.	Shopping	2 points per $1
Exclusive Savings Event Invitations Cardholders receive invitations to exclusive savings events at Bealls Florida.	Shopping	Access to exclusive events
Rewards Certificate Redemption For every 200 points earned, cardholders receive a $10 Bealls Florida Rewards Certificate. Certificates expire 90 days from the issue date and can be used at Bealls Florida stores and beallsflorida.com.	Shopping	$10 certificate for 200 points Up to $10
Special Birthday Offer Cardholders receive a special offer during their birthday month.	Shopping	Special offer

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months or if you make a late payment.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

600 Recommended minimum FICO · Range 600–700

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit, abuse of return policies, excessive credit seeking (e.g., multiple applications in a short period), failure to pay, pattern of opening and closing cards quickly, suspicious account activity, or any perceived attempt to game the rewards system.

Cliff Effect Rules

The primary 'cliff effect' for the Bealls Florida Credit Card is the 'one welcome bonus per card per lifetime' rule, meaning once you've received the bonus for this specific card, you are ineligible for it again. Unlike some premium Amex cards, there are generally no broader 'family rules' that would prevent you from obtaining other distinct American Express credit or charge products based on holding this store card.

International Friendly

May have limitations for international use.

Additional Issuer Rules

American Express enforces a 'one welcome bonus per card per lifetime' policy for the Bealls Florida Credit Card. Applicants are also subject to the '2/90 rule,' limiting approvals to a maximum of two credit cards every 90 days across all American Express credit products. Eligibility typically requires a good to excellent credit score (FICO 670+), sufficient verifiable income, and not currently holding or having recently held this specific card.

Bealls Inc. Credit Card (Bealls Florida)