The Bread Financial Bealls Inc. Credit Card is primarily a store-specific card for Bealls customers. With no annual fee and store-specific discounts, it serves those seeking simplicity in card management without extra perks.
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However, it carries a high APR and lacks general rewards or cashback benefits, making it less appealing outside the Bealls network. Users reported issues with customer service, which may deter potential cardholders.
By Harlon Drosghic Apr 2026
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Bread Financial Bealls Inc. Credit Card
Bread Financial
- Annual Fee
- Free
- Minimum Income
- —
Score by category
Rewards
★★★★★ 2.0/5
Score by category
Rewards
Points & Miles ★★★★★ 1.3/5
- Earn Rate 1.0
- Bonus Categories 1.5
- Redemption Value 2.0
- Points Expiration 2.0
Credit Building ★★★★★ 2.6/5
- Upgrade Path 1.5
- Credit Bureau Reporting 4.0
- Educational Tools 1.0
- Credit Limit Growth 2.5
- Approval Accessibility 3.0
Lower Fees ★★★★★ 2.5/5
- Annual Fee Value 5.0
- Cost Transparency 3.0
- Fee Waiver Potential 0.5
- Penalty Friendliness 2.0
- Foreign Transaction Fee 0.5
Purchase Perks ★★★★★ 1.4/5
- Installment Perks 0.5
- Merchant Discounts 3.0
- Everyday Usefulness 2.0
- Purchase Protection 0.5
Travel Perks ★★★★★ 0.1/5
- No Foreign Tx Fees 0.5
Score by category
User Experience
★★★★★ 2.2/5
Score by category
User Experience
App / Experience ★★★★★ 2.5/5
- Ease of Navigation 2.5
- Self-Service 2.0
- Billing Clarity 3.0
- Feature Quality 3.0
- App Speed & Stability 2.0
Support Quality ★★★★★ 2.0/5
- Response Time 2.0
- Channel Availability 2.5
- Agent Professionalism 2.0
- First-Contact Resolution 1.5
- Resolution Effectiveness 2.0
Transparency ★★★★★ 2.2/5
- Terms Simplicity 2.5
- Billing Transparency 2.5
- Fee & Interest Clarity 2.0
- Charge Predictability 2.0
- Communication Clarity 2.0
Security & Control ★★★★★ 2.7/5
- Card Control Features 3.0
- Fraud Protection 3.0
- Virtual Card Experience 3.5
- Incident Resolution 2.0
- Real-Time Monitoring 2.0
Benefits Usability ★★★★★ 1.5/5
- Ease of Earning 1.5
- Ease of Tracking 1.5
- Real-World Value 1.5
- Rules Simplicity 2.0
- Ease of Redeeming 1.0
Pros & Cons Bread Financial Bealls Inc. Credit Card
Pros
- ✓No annual fee
- ✓Reports to multiple credit bureaus
- ✓Merchant discounts at affiliated stores
Cons
- ✗High APR at 35.99%
- ✗No general cashback or rewards program
- ✗Limited benefits and perks
- ✗Poor customer service reviews
Expert Analysis
AI Analysis
Citocred AI
The Bread Financial Bealls Inc. Credit Card is primarily a store-specific card for Bealls customers.
Full analysis
With no annual fee and store-specific discounts, it serves those seeking simplicity in card management without extra perks. However, it carries a high APR and lacks general rewards or cashback benefits, making it less appealing outside the Bealls network. Users reported issues with customer service, which may deter potential cardholders.
Best for
Bealls store shoppers
Avoid if
Those seeking travel or general cashback rewards
AI-generated analysis · Methodology by Harlon Drosghic
Bealls store shoppers
Those seeking travel or general cashback rewards
Frequently Asked Questions
Bread Financial Bealls Inc. Credit Card
Does the Bread Financial Bealls Inc. Credit Card include airport lounge access?
Does the Bread Financial Bealls Inc. Credit Card include travel insurance?
Who should get the Bread Financial Bealls Inc. Credit Card?
Is the Bread Financial Bealls Inc. Credit Card worth it?
The Bread Financial Bealls Inc. Credit Card provides a set of benefits designed to add genuine value to your financial routine:
Contactless Payment
Virtual Card
International Acceptance
See 10 benefits not included in this card
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Features — Detalhes
Fees
Rewards
Premium
Digital
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
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Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.