Bealls Inc. Credit Card Review

Based on verified issuer data, the Bealls Inc. Credit Card comes down to one question: how much of your shopping already happens at bealls, Bealls Florida, Home Centric, Rugged Earth Outfitters, or Reel Legends Performance Outfitters. Nick’s one-line verdict: on the standard $100/month profile, this card returns $60 net in year one and $60 net in year two, a flat 5% back with a $0 annual fee, plus an illustrative $10 off a $100 same-day in-store first purchase, but every one of those numbers evaporates the moment a dollar is spent anywhere but those five stores.

10% off when you open and use the Bealls Inc. Credit Card the same day as account opening, in-store only, with no stated minimum spend. Cardholders report the ongoing rate is just as simple: one point per dollar, 100 points redeemable for a $5 Rewards certificate, a flat 5% back with no second tier and no “everywhere else” rate to fall back on.

That last part matters more than it sounds. This card is closed-loop. It cannot be used at any retailer besides those five affiliated brands, and it earns nothing on any purchase made elsewhere. The math below is real, but it only applies inside that lane.

Who This Card Is For

This card fits three kinds of shoppers, based on verified issuer data on its single flat rate.

A regular bealls, Bealls Florida, Home Centric, Rugged Earth Outfitters, or Reel Legends Performance Outfitters shopper spending around $100/month earns 5% on every purchase, worth $60/year. That’s the standard profile used throughout this review.

A cross-banner shopper who splits spending across more than one of the five affiliated brands in a month, say $60 at bealls plus $40 at Home Centric, still earns the same flat 5% on the same $100 total. All five banners share one rewards balance, so the rate applies the same way regardless of which combination of the five brands the spend happens at.

Someone drawn mainly by 10% off when you open and use the Bealls Inc. Credit Card the same day as account opening, in-store only should go in with eyes open. The offer is in-store only and excludes online purchases entirely, a stricter channel restriction than most competitor store cards’ sign-up offers, which are typically same-day or next-few-days but still work online.

Issued by Comenity Capital Bank, which as of October 1, 2026 is the surviving bank from its merger with sister bank Comenity Bank. If bealls.com’s own card page still calls the issuer simply “Comenity Bank,” that’s a pre-merger name that hasn’t been updated yet; see our guide to the Comenity Bank merger for what actually changed. Comenity Capital Bank issues store-card programs for numerous other retailers beyond the Bealls family; see how the Comenity/Bread Financial relationship actually works for more on the bank itself.

One profile should skip this card entirely: anyone who wants a card usable anywhere besides these five stores. This card earns $0 outside bealls, Bealls Florida, Home Centric, Rugged Earth Outfitters, and Reel Legends Performance Outfitters. Anyone at real risk of carrying a balance should also stay away, given the flat 35.99% APR.

The Bealls Inc. Credit Card’s issuer doesn’t publish a minimum credit score for this card, and no other verified source does either. See what credit score you need for a store credit card for how that gap compares across the category. Applying still triggers a standard hard inquiry regardless of the outcome; see what that inquiry actually does to your credit score before applying.

This card sits in FinBedrock’s off-price/department store-card cluster; see Best Clothing & Department Store Credit Cards (2026) for how it stacks up against the field.

Sign-Up Bonus: Is It Worth It?

10% off when you open and use the Bealls Inc. Credit Card the same day as account opening, in-store only, with no stated minimum spend. The requirement applies to the entire transaction amount after the discount, placed on the card, the same day, in-store only.

Net first-year value comes entirely from the ongoing rate: $60 ongoing rewards minus $0 annual fee equals $60 net in year one, using the standard $100/month profile. The 10% first-purchase discount sits outside that number. On a $100 first purchase, that’s another $10 off, illustrative only, scaled to whatever the reader’s actual first purchase costs, not a fixed dollar bonus folded into the headline figure.

Is this a realistic offer to capture? The no-minimum-spend requirement is genuinely easy to clear, there’s no dollar threshold to hit before the discount applies. The catch is the channel. bealls.com states plainly that the offer is “valid in stores only,” excluding online purchases entirely. That’s a stricter restriction than this site’s own Burlington Credit Card review, which gives online applicants a 2-day emailed-code window as an alternative to the same-day in-store path.

In practice, that means a reader who applies or shops online gets no sign-up discount at all here, full stop, no matter how fast they act. Anyone planning to capture this offer needs to apply in a physical store, with a purchase already in mind, and use the card that same day. There’s no second path.

Earning Rewards: The Math

On bealls, Bealls Florida, Home Centric, Rugged Earth Outfitters, and Reel Legends Performance Outfitters purchases, this card earns a flat 5% back, that’s $60 a year on $100/month spent exclusively across the five affiliated Bealls-family brands. Here’s the full math using the standard worked profile:

There’s only one row here on purpose. This card has no second earning category and no separate “everywhere else” base rate, because there’s no everywhere else it can be used. The 5% figure comes directly from the redemption math itself: 1 point per $1 spent, 100 points redeemable for a $5 Rewards certificate. That conversion already is the dollar value, there’s no separate points-value calculation layered on top the way a transferable bank-points currency would need.

Cardholders also get a non-transferable 20% discount reward on any one purchase, any one day during their birth month, a separate, recurring annual perk on top of the base rate. On a $100 birthday-month purchase, that’s an illustrative $20 off, scaled to whatever that one purchase actually costs, never added into the $60/year figure above.

Here’s the honest comparison. A flat 2% cash-back card earns (2/100) x $100 x 12 = $24/year on that same $100/month, if that spending could happen anywhere. This card earns $60/year on the identical $100/month, but only if every dollar of it happens to be spent at one of the five affiliated brands specifically, 2.5x the flat-2% card’s return on in-brand spend.

The asterisk matters as much as the headline number. That same $100 spent anywhere else earns $0 on this card, while the flat-2% card would still earn $24/year on it regardless of merchant. This card can never substitute for a general-purpose card. See the general mechanics separating a store card from a regular credit card for the fuller comparison. It only wins on purchases at bealls, Bealls Florida, Home Centric, Rugged Earth Outfitters, and Reel Legends Performance Outfitters, and it loses, earning $0, on literally everything else. For the fuller case on whether a flat-rate store card like this is worth carrying at all, see this site’s full store-card rewards math applied across the category.

Redeeming Rewards

Redemption here is simple and single-path: points redeem in 100-point increments for $5 Rewards certificates. 100 points equals $5, 500 points equals $25, 1,000 points equals $50, and 2,000 points equals $100. There’s no award chart and no points math beyond that flat 1-cent-per-point rate.

There’s a thing to watch, though less severe than it sounds. Per Comenity’s own Rewards Terms and Conditions Disclosure, points expire on a rolling 12-month basis, and issued $5 Reward certificates expire 365 days after issuance. That’s dramatically more forgiving than this site’s Burlington Credit Card review, whose certificates expire in just 60 days, a genuine point in this card’s favor among its closest same-issuer-family peers.

On the standard $100/month profile, a $5 certificate issues every month, since 100 points is earned in exactly one month of spend at that level. With a 365-day window to use each one, there’s essentially no realistic use-it-or-lose-it pressure at this spending level.

There are no transfer partners here, and nothing to transfer. Rewards redeem directly and only at the five affiliated brands. Overall complexity is low, and the generous certificate window means there’s barely any clock to track at all.

Fees and Costs

$0, no annual fee, ever. This is a permanent $0, not a first-year waiver. Because there’s no fee at all, there’s nothing to break even against here. See the break-even math a fee-free card like this skips entirely for how that calculation works on a card that does charge one.

APR runs a flat 35.99% variable, with a penalty APR of up to 39.99% after a late payment. Carry a balance and both the ongoing rewards and the birthday discount lose their value fast. Late payments also carry a $30.00 fee if none was charged in the prior six billing periods, or $41.00 otherwise.

There is no introductory or promotional APR of any kind on this card, confirmed by omission from both official Comenity disclosure documents, which list only the single ongoing Purchase APR row.

Foreign transaction fee: None. That’s not a travel perk here, it’s simply not applicable. This card is closed-loop and can’t be used anywhere outside bealls, Bealls Florida, Home Centric, Rugged Earth Outfitters, or Reel Legends Performance Outfitters, domestically or abroad. See the mechanics this fee skips on a closed-loop card like this one for why that’s structurally moot here.

This card does not appear to offer balance transfers, operating as a closed-loop, five-brand-family account rather than a general-purpose credit line. Neither official Comenity document explicitly states “Not Applicable” in words for this row, so this is an inference from the absence of a balance-transfer line item, not a flat certainty.

Pros and Cons

Pros

• No annual fee, ever
• A flat 5% effective rate that works across five affiliated brands, the broadest in-brand footprint of any closed-loop store card reviewed on this site
• A 365-day reward-certificate window, far more forgiving than Burlington Credit Card’s 60 days
• A recurring 20% birthday discount on top of the base rate

Cons

• A flat 35.99% variable APR, higher than same-issuer-family peer Burlington Credit Card (33.99%) and Ross Mastercard/TJX Rewards Credit Card (30.49%)
• The sign-up discount is in-store only and excludes online purchases entirely
• The issuer publishes no credit-score minimum at all
• 100% closed-loop, earns $0 anywhere but the five affiliated brands

How It Compares

Burlington Credit Card shares the same issuer, Comenity Capital Bank, the same closed-loop off-price/department structure, and the identical flat 5% back rate (1 point per $1), but carries a lower 33.99% APR versus this card’s 35.99%, and a much tighter 60-day reward-certificate expiration versus this card’s 365 days.

The two cards earn identically at 5%, so the real differences are APR and redemption timing. Burlington’s lower 33.99% APR is the safer hold if you carry any balance risk, but this card’s far more generous 365-day certificate window all but removes the use-it-or-lose-it pressure that Burlington’s 60-day window creates.

Ross Mastercard shares the same issuer family, Comenity, and the same off-price category, earning the same 5% in-brand rate, but the open-loop Mastercard version also earns 1% everywhere else Mastercard is accepted and carries a lower 30.49% APR than this card’s 35.99%.

Ross Mastercard’s open-loop flexibility and lower APR are real edges over this card’s pure closed-loop structure, though neither competitor beats this card’s 365-day certificate window.

These two competitors already have their own head-to-head on this site: see Ross Mastercard vs Burlington Credit Card for the full breakdown.

Nick’s Verdict

Based on verified issuer data, this card makes sense for someone who genuinely and regularly shops at bealls or one of its four sister brands and is comfortable holding a second, single-purpose card just for that spend. It doesn’t make sense for anyone wanting one card that also works elsewhere, or anyone at real risk of carrying a balance given the flat 35.99% APR.

For a reader spending $100/month across the five affiliated Bealls-family brands, this card returns $60 net in year one and $60 net in year two, plus an illustrative $10 off a $100 same-day in-store first purchase and a $20 illustrative birthday discount on a $100 purchase, with a $0 annual fee in both years.

The honest finding: this card’s 5% effective rate and 365-day certificate window are genuinely competitive among this site’s closed-loop store cards, but it comes with a higher APR than its closest same-issuer peer and no published credit-score minimum.

See how this card stacks up against the field in our Best Store Credit Cards roundup.