Bealls Florida Credit Card | Reviews

CARD OVERVIEW

The Bealls Florida Credit Card is a store card for shoppers at Bealls Florida — no annual fee, a simple rewards setup (you earn points on store purchases, redeemable as coupons or discounts), and perks tied to shopping at that retailer.

• Frequent shoppers who use it only at Bealls often appreciate the easy “earn‑and‑redeem” rewards — some say it makes sense if you already shop there regularly.

• For those who pay their balance in full each month, the card can be a “lightweight” loyalty booster without extra cost.

• A few reviewers mention it helped them manage smaller recurring purchases — like gifts — without overspending, calling it “convenient” when used carefully.

• Customer service gets a lot of criticism. Some people report difficulties with billing, confusing account management, or unhelpful support representatives.

• The interest rate is steep (as with many store cards), so carrying a balance can quickly make the card a bad deal.

• Others feel the rewards are too limited — since coupons/discounts only apply at Bealls. That reduces value if you don’t shop there often.

• There are reports of unexpected fees, late‑fee frustrations, and — for some — a sense of being “locked in” without much flexibility.

The Bealls Florida Credit Card can be useful if you are a loyal Bealls shopper, pay off your balance monthly, and mainly want occasional discounts or small‑scale convenience. Personally, I think it’s fine as a “store‑loyalty” card — but only if you treat it like a debit card, not a credit card: don’t carry balances, don’t expect broad rewards or travel perks. For someone shopping mostly elsewhere, or who tends to carry balances, I’d lean toward a different card.

It’s a niche tool — potentially worthwhile for frequent Bealls customers, but not a great choice as a general‑purpose card.