Credit Cards
Burkes Credit Cards: How to Apply & Login (Pay Bill Online)
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In this article, we are going to discuss the Burkes Outlet credit card. It is a store-specific credit card that is limited to use at Burkes, Bealls, and their websites. This retail card is issued by Comenity Bank. It is not affiliated with major card networking.
This card offers customers the opportunity to shop at Burkes outlet locations and enjoy various rewards and benefits. Keep on reading to know more about Burkes Credit card.
Contents
What is the Burkes Credit Cards?
The Burkes Outlet credit card is provided by Comenity Bank. It lets you earn 2 points for every $1 you spend at Bealls, Bealls Florida, and Burkes Outlet stores both in person and online. It will come with no annual fee and give a 20% birthday reward to Bealls rewards program members.
To apply, you can visit Comenity’s website, go to a Bealls, Bealls Florida, or Burkes Outlet stores, or call the Burkes Outlet Credit Card customer service number for help.
The card will offer perks like special financing deals, easy online account management, and 24/7 customer service.
If you often shop at these stores, this card may be good for you. However, it is important to understand its interest rates and fees before applying.
Why do You Need the Burkes Credit Cards?
There are a few reasons for you to consider getting the Burkes Credit card.
- Regular shopper benefits: You will earn 2 points for every $1 spent which can be used for future purchases. The card also offers special financing deals like 0% APR for a limited time. If you are part of the Bealls Reward program, you will get a 20% birthday discount.
- Building credit: If you want to build your credit, the Burkes Credit card is a good choice for you. It is accessible for those with a fair credit score and responsible use can help to improve your credit.
- Convenient payment option: The card will also provide a convenient way to pay for your shopping at Burkes Outlets, Bealls, or Bealls Florida, both in-store and online shopping.
- Temporary shopping pass: When you apply, you will get a temporary shopping pass, which will give you a 10% discount on your first purchase.
Reasons to Avoid Burkes Credit Cards
While the Burkes credit card is no longer available for new applicants, there are several reasons why you should avoid getting this card.
- High-interest rates: As with most store credit cards, the Burkes Outlet credit card likely has a high interest rate. This makes it challenging to pay off any outstanding balance due to significant charges.
- The temptation to overspend: Credit cards, especially store ones, can encourage you to overspend. This will lead to potential debt and financial difficulties.
- Credit score impact: If you miss payments or carry a high balance on the Burkes Credit card, then it could harm your credit score. It will make it harder to qualify for other forms of credit.
- Annual fees: The Burkes Outlet credit card has an annual fee, which will reduce its value unless you use it enough to offset the fee with the reward.
Concerning for negative effect on your credit score, are you aware of any effect free card? Barclays Credit Cards are excellent and won’t have a negative effect on your credit score.
Who will be Suitable for Burkes Credit Cards?
Let’s look into some consideration of being suitable for Burkes Credit card.
- A minimum credit score of 640 is required for you to apply.
- This card is best suited for regular shoppers at Burkes Outlets or Bealls stores. It offers rewards and discounts at these stores only.
- If you regularly shop at Burkes you will get additional perks like birthday discounts and reward points.
Pros and cons of Burkes Credit Cards
| Pros | Cons |
|---|---|
| No membership fees | High Regular APR |
| High rewards rate (5% cash back) | Only good for Burkes Outlet purchases |
| 10% discount initial rewards bonus | |
| Qualify with fair credit |
Have you considered the Wells Fargo Reflect Card? It boasts the best APR. I got one recently and it’s exceptional for managing finances.
Conclusion
Overall, the Burkes Credit card can be a good option if you are a regular shopper at Burkes Outlet and manage your credit responsibly. However, the high APR means, it is important to be aware of the potential interest charges. The suitability of the Burkes Credit card depends upon your financial situation and spending habits. So carefully evaluate your needs and compare available options before applying.
Nicole Hughes is a credit card and loan expert content writer based in New York. With a knack for simplifying financial jargon, she creates informative and reader-friendly content. Her work empowers individuals to make informed decisions regarding credit and loans, ensuring financial well-being.
FAQs
The Burkes Outlet credit card is no longer available for new applicants. If you are looking for a store-specific credit card, you may want to explore other options.
The Burkes Credit Card provides regular shoppers with benefits such as earning 2 points for every $1 spent, special financing offers, and a 20% birthday reward for Bealls Rewards program members.
The Burkes Credit Card can be a suitable option for building credit, especially for individuals with fair credit. Responsible use of the card may contribute to improving credit over time.
It’s a store card, so it doesn’t have the support of big credit card networks. You can only use it at specific affiliated stores. Despite its limited acceptance, if you’re a fan of the brand, this card could be a great choice. With the Burkes Outlet Credit Card, you earn 2 points for every $1 you spend.
You’ll need a credit score of 640 or above to be approved. In simple terms, having at least fair credit is necessary. However, there are specific Comenity credit cards that demand a credit score of 700 or higher, which is considered good credit.
