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Bealls Credit Card

Bealls Credit Card

Searching for the Bealls credit card? The Bealls credit card has recently undergone some updates and changes, and if you are trying to make up your mind whether or not you should get the Bealls Credit Card, this review should assist you. You may read further for credit card rewards, benefits and terms and conditions. The Bealls card functions as a tradition store credit card.

Bealls Stores

Bealls origins can be traced back to the 1920’s where the first incarnation of the store was run as a family business by the Bealls brothers. A merger in the 80’s united Bealls with Palais Royal, and later on the company began public trading under Stage Stores Inc. Stage Stores now includes Bealls, Peebles, Palais Royal and Goody’s  stores. Bealls is currently based in Texas, and this review deals with this brand only, not the line of Bealls stores based in Florida.

The Bealls Credit Card

The Bealls credit card helps you get more discounts the more you spend over time, such as a membership tier system and regular money saving offers. The lead-off benefit you will receive is a 10% discount on the first purchase you make with the card. While this credit card has no formal points based gift certificate system, you can build up VIP points, and with enough VIP points you can reach Bronze, Silver or Gold status, offering you extra exclusive rewards.

The fact that you don’t get gift certificates after building up a certain amount of points may dissuade some people, but you do get 12 money saving offers each year, and exclusive savings events and savings coupons mailed to you. This card is thus good for people who don’t want to be required to spend large amounts for reward points, or do not plan on using the card extensively.

Terms and Conditions

This is a store card so there are no balance transfers or cash advances available. APR is 24.99% variable depending on the Prime Rate. No annual fee. Late payment fee and returned payment fee up to $25 and $30 respectively. The grace period for zero interest on balances is 25 days. With an APR of 24.99%, the Bealls credit card is a competitive store credit card, however the APR is a bit high when compared to general purpose credit cards.

The Bealls Credit Card is issued by World Financial Network Bank (who act as the issuer for many other store credit cards) and their online account service makes it simple to pay your bills, see you statements and manage your account in general. The online service can also be accessed in mobile form from your smartphone so you can make secure payments.

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