Bealls Outlet Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Bonus RateUp to 2x

Point Value~0.05¢ each

ExpirationPoints expire after 24 months of inactivity

Redemption NotesPoints can only be redeemed for reward certificates usable at Bealls Family of Stores; no cash back redemption option available

Category	Rate	Type	Cap
Bealls Family of Stores Purchases Earn 2 points for every $1 spent on qualifying purchases at Bealls Family of Stores (including Bealls Florida, Bealls Outlet, and Burkes Outlet).	2x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The Bealls Outlet Credit Card does not charge an annual fee for card membership.	Financial	$0 Up to $0
Birthday Savings Offer Cardholders receive a special discount or offer during their birthday month.	Lifestyle	Special offer
Exclusive Cardholder Savings Events Access to special sales, promotions, and discounts available only to Bealls Outlet Credit Cardholders.	Shopping	Varies by event
First Purchase Discount Cardholders receive a discount on their first eligible purchase made with the Bealls Outlet Credit Card at Bealls Outlet or Bealls Family of Stores.	Shopping	15% off
Rewards Points Earning Earn rewards points on eligible purchases made with the Bealls Outlet Credit Card at Bealls Outlet and other Bealls Family of Stores.	Shopping	2 points per $1 spent
Rewards Redemption Redeem accumulated rewards points for a discount on future purchases at Bealls Outlet and other Bealls Family of Stores.	Shopping	$5 reward for every 200 points Up to $5

Interest Rates

Purchase APR29.99% Variable

Balance Transfer APR29.99%

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 balance is not paid in full within 6 months.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyEasy

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $300 – $3,000

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 across Amex accounts, excessive credit seeking (beyond 2/90 rule), abuse of return policies, pattern of opening and closing cards solely for bonuses (churning), inconsistent spending patterns, failure to pay on time, significant derogatory marks on credit report, or suspected fraudulent activity.

Cliff Effect Rules

The Bealls Outlet Credit Card is primarily subject to its own 'one welcome bonus per card per lifetime' rule. It generally does not fall under broader 'card family' rules that might restrict bonuses across different premium American Express products (e.g., Platinum or Gold variants). However, it does count towards the overall maximum number of credit cards an individual can hold with American Express.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility for the Bealls Outlet Credit Card requires applicants to be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a U.S. residential address. Approval is subject to creditworthiness. American Express enforces a 'one welcome bonus per card per lifetime' rule, meaning applicants are ineligible for a welcome bonus if they have previously received one for this specific card product. Additionally, American Express has an application restriction known as the '2/90 Rule', limiting approvals to a maximum of two credit cards within any 90-day period.

Bealls Outlet Credit Card