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Belk Credit Card Review

Written by Mike Pearson
Updated June 11, 2023

The Belk Credit Card, also known as the Belk Rewards Card, offers a range of benefits and rewards for frequent shoppers at Belk department stores. This financial tool can provide potential savings for those who spend a significant amount in Belk stores and take advantage of the rewards program. However, the card comes with a 25.49% APR, making it essential for users to pay off their balance each month to avoid excessive interest fees.

There are mixed reviews of the Belk Credit Card, with some users expressing satisfaction with the rewards and savings, while others have experienced issues with payment processing and credit reporting. Understanding these varying experiences is crucial for individuals who are considering applying for a Belk Rewards Card.

Approval for the Belk Credit Card can be instantaneous or may take 7-10 days, depending on an individual’s creditworthiness. Nevertheless, it’s essential for prospective cardholders to conduct thorough research, weigh the pros and cons, and consider their shopping habits before deciding whether this credit card is a suitable choice for them.

Belk Credit Card Overview

Card Issuer

Belk Rewards credit cards are issued by Synchrony Bank. It manages and handles the payment processing and customer support for the credit card customers.

Card Types – Belk Rewards, Belk Premier, Belk Elite

Belk Rewards

Belk Rewards card is the basic level credit card offered by Belk. Some features and benefits of this card include:

  • Annual Fee: $0
  • APR: 25.49% as of June 2023
  • Rewards: Earn up to 5% back in Belk rewards

Cardholders can enjoy some level of rewards and extra benefits when shopping at Belk stores and online.

Belk Premier

Belk Premier is the next tier level credit card offering additional benefits:

  • Rewards: Earn additional rewards points for higher spending levels
  • Benefits: Cardholders can avail exclusive discounts and bonuses

Belk Premier cardholders need to spend a certain amount per year to qualify for this card level, which provides them with better perks and higher rewards earnings.

Belk Elite

Belk Elite is the highest level credit card offered by the company. It comes with even more benefits and perks to bring the best shopping experience to their loyal customers:

  • Rewards: Highest rewards percentage among the three levels
  • Free Shipping: Free standard shipping on online purchases
  • Elite Monthly Thank You: Special Elite promotions and offers each month

Belk Elite cardholders need to spend a minimum amount per year to be eligible for this card level. This card level provides the most luxurious shopping experience, with top-tier service and exclusive offers.

Rewards and Benefits

Belk Rewards Credit Card offers a variety of benefits for its users. These rewards are designed to cater to the different shopping needs and habits of cardholders. In this section, we will discuss the different ways to earn Belk Reward Points, the available Rewards Tiers, how to use Reward Dollars, available Bonus Points Events, and Exclusive Savings Events for Belk Rewards Credit Card users.

Earning Belk Reward Points

Cardholders can earn Belk Rewards Points on every purchase made at Belk or on The points are earned at the following rates:

  • 4 points per $1 for spending $0-$299
  • 5 points per $1 for spending $300-$999
  • 7 points per $1 for spending $1,000 or more

It is important to keep track of your spending to maximize the points you can earn on your Belk purchases.

Rewards Tiers

There are three rewards tiers for Belk Rewards Credit Card users. The tiers are determined based on the cardholder’s annual spending on Belk or purchases.

  • Tier 1: Spend $0-$299 per year, earn 4 points per $1
  • Tier 2: Spend $300-$999 per year, earn 5 points per $1
  • Tier 3: Spend $1,000+ per year, earn 7 points per $1

These tiers help cardholders earn more points per dollar spent as their spending increases.

Reward Dollars

For every 500 points earned, cardholders are eligible to redeem $5 Belk Reward Dollars. These Reward Dollars can be used for future purchases at Belk or on, allowing customers to save on their shopping.

Bonus Points Events

Occasionally, Belk Rewards Credit Card users have access to Bonus Points Events. These events allow cardholders to earn extra Belk Rewards Points on their purchases for a limited time. Keep an eye out for these events to take advantage of additional rewards opportunities.

Exclusive Savings Events

In addition to earning points on purchases, Belk Rewards Credit Card users also have access to Exclusive Savings Events. These events offer cardholders special discounts and promotions on select items or during specific time frames. Take advantage of these events to amplify the value of your Belk Rewards Credit Card.

By understanding the different ways to earn and redeem points using the Belk Rewards Credit Card, cardholders can make the best use of its unique rewards and benefits for their shopping needs.

Interest Rates and Fees

Annual Percentage Rate (APR)

The Belk credit card comes with an APR of 25.49% as of June 2023. This rate is relatively high, so cardholders should be aware of the potential costs associated with carrying a balance. The APR is subject to change and may vary depending on the user’s creditworthiness.

Annual Fees

Good news for Belk credit card users is that there is no annual fee associated with the card. This makes it an attractive option for those who shop frequently at Belk stores and want to earn rewards without the burden of an annual cost.

Balance Transfers

The Belk credit card does not offer any balance transfer features. Therefore, if you’re looking to consolidate debt or transfer a balance from another credit card, you may want to consider other options that provide balance transfer benefits.

Cash Back

Belk credit cardholders can earn rewards points on their purchases, which can be redeemed for Belk Reward Dollars. The card offers different earning rates based on the total spent:

  • 4 points per $1 for $0-$299 spent at Belk or
  • 5 points per $1 for $300-$999 spent at Belk or
  • 7 points per $1 for $1,000+ spent at Belk or

Every 500 points earned is equivalent to $5 Belk Reward Dollars. While the Belk credit card does not offer traditional cash back, the Reward Dollars can be used to make purchases at Belk and

In conclusion, the Belk credit card has both its pros and cons. With no annual fee and the potential to earn rewards, it may be suitable for frequent Belk shoppers. However, the high APR and the absence of balance transfer features may make it less appealing to those who carry a balance or are looking to consolidate debt.

Card Eligibility and Approval Odds

Credit Score Requirements

When considering the Belk Rewards Credit Card, it’s essential to be aware of the credit score requirements. Generally, you should have at least a fair credit score (FICO score 650+) to be eligible for approval. However, those with higher credit scores (excellent credit) will have an even better chance of approval.

Credit Limit

The credit limit assigned to customers can vary greatly, depending on their credit score and financial circumstances. For instance, some Belk credit cardholders receive an initial credit limit as low as $300, while others may receive a higher limit. Credit limit increases can also occur after maintaining a favorable payment history and a healthy credit utilization ratio.

Application Process

Applying for the Belk Rewards Credit Card is simple. You can either apply in person at a local Belk store location or apply online. The approval odds will be heavily dependent on your credit score, income, and expenses. Those with a credit score of 750 or higher have a better chance of being approved for the Belk Credit Card. However, individuals with a lower credit score (fair credit) may still have a chance for approval.

In conclusion, the Belk Rewards Credit Card caters to different credit score tiers, including fair credit and excellent credit, with a relatively straightforward application process. It’s essential to consider your credit score and financial situation when applying to ensure the best possible outcome.

Features and Perks

Receipt-Free Returns

One of the convenient features of the Belk Credit Card is receipt-free returns. This means that cardholders can return items purchased from Belk without the need for a receipt, simplifying the return process and making it less hassle for customers.

Free Shipping In-Store

Another attractive perk of the Belk Credit Card is the free shipping option for in-store purchases. Cardholders can enjoy this benefit to save on shipping costs when purchasing items directly from Belk stores. This feature is particularly useful for frequent shoppers looking to save on additional expenses.

Rewards Programs

The Belk Credit Card offers an enticing rewards program for its cardholders. With the card, users can earn up to 5% back in Belk rewards, depending on their spending level. For every eligible purchase made with the card, cardholders accumulate points that can be redeemed for travel, gifts, or other perks. In addition, the Belk Credit Card offers a signup bonus of up to $10 and 1000 points after spending a minimum of $1.

The rewards program also comes with different tier levels, allowing cardholders to unlock additional benefits as they spend more. A higher Belk® Rewards Card status could entitle them to extra rewards points and other exclusive perks.

Store Offerings and Shopping Experience

Department Store Offerings

Belk is a well-known department store that offers a wide range of products to cater to various customer needs. Their product categories include:

  • Clothing: Belk offers clothing options for men, women, and children. Shoppers can find both casual and formal attire, as well as activewear, sleepwear, and outerwear.
  • Home Furnishings: The store also provides an assortment of home goods, such as bedding, furniture, and decorative items.
  • Apparel and Accessories: In addition to clothing, Belk carries various accessories—from handbags and jewelry to belts and ties—helping customers complete their outfits.
  • Shoes: Belk has a diverse shoe selection for the whole family, including sneakers, sandals, boots, and formal footwear.
  • Cosmetics: Finally, customers can browse an array of beauty products, such as makeup, skincare, and fragrances.

Customer Service and Support

Belk prides itself on its customer service, making shopping a pleasant experience for patrons. The store offers various support options and services, including:

  • In-store assistance: Belk’s knowledgeable staff are available to help shoppers navigate the store, find products, and answer questions.
  • Online support: For those who prefer shopping online, Belk’s website provides a seamless experience. The site has a live chat feature for customers to access assistance during their online shopping journey.
  • Returns and exchanges: Belk has a customer-friendly return policy. Shoppers can return most items within a specified timeframe for a full refund, provided the items meet return criteria.
  • Rewards program: The Belk Rewards Credit Card offers regular shoppers the opportunity to earn points on their purchases, which can then be redeemed for discounts and other exclusive benefits.

Comparing with Other Credit Cards

Belk Credit Card vs. Capital One

The Belk Rewards Credit Card primarily offers benefits for frequent shoppers at Belk, including discounts and rewards points. Capital One® credit cards, on the other hand, offer a range of options tailored to different needs, such as travel, cashback, and low-interest rates.

  • Belk Rewards Credit Card: It provides points for each purchase made at Belk stores, with higher rewards rates for cardholders who spend more annually. No annual fee and periodic cardholder-only discounts.
  • Capital One: Offers various credit cards such as the Capital One® Quicksilver® Cash Rewards Credit Card, which comes with 1.5% cashback on every purchase plus a sign-up bonus, and has no annual fee. Other Capital One cards offer travel-related rewards or low-interest rates for balance transfers.

Belk Credit Card vs. Experian

Comparing the Belk Rewards Credit Card to Experian is not accurate since Experian is a credit reporting agency, not a credit card issuer. However, the credit score required for approval on Belk Rewards Credit Card might be relevant to Experian. Generally, a fair credit score (FICO score 650+) is considered acceptable for the Belk credit card application.

Belk Credit Card vs. Department Store Cards

The Belk Rewards Credit Card is a store credit card that provides specific benefits for shopping at Belk. Department store cards from other retailers usually offer similar rewards and benefits for shopping at those specific stores, both online and in-store.

  • Belk Rewards Credit Card: Offers tiered rewards points based on annual spending, with $0 annual fee. Cardholders also receive special discounts and promotions throughout the year.
  • Department Store Cards: Retailers such as Macy’s, Kohl’s, or JCPenney also offer store credit cards with benefits that include rewards points, exclusive discounts, and special financing for larger purchases.

Although these cards have different benefits, choosing the most suitable card depends on how much you shop at a specific store and if the rewards and discounts offered meet your needs.


Belk Rewards Credit Card offers some appealing benefits for regular shoppers at Belk stores. With an initial discount of 20% on most items and a 1000-point bonus when you open the Belk Store Card account, loyal customers can find value in this credit card. The card also provides decent ongoing rewards, making it a viable option for those frequently shopping at Belk.

However, it’s essential to consider the card’s high APR of 25.49%. To truly reap the benefits of the Belk Rewards Credit Card, users must pay their balance in full each month to avoid accumulating interest. This card may not be a suitable choice for those who struggle with managing credit card balances.

In summary, the Belk Rewards Credit Card can be a useful tool for Belk regulars, but potential users must carefully weigh the benefits against the high APR. By paying off balances each month and making the most of the rewards and discounts, cardholders can enjoy an enhanced shopping experience at Belk stores.

Frequently Asked Questions

Approval requirements?

While the specific requirements for approval may vary, the Belk Rewards Card typically accepts applicants with credit scores ranging from Fair to Excellent. The approval process takes into account factors such as your credit history, income, employment, and debt-to-income ratio.

Store card credit score?

Accepted credit scores for the Belk Store Card range from Fair, Good, to Excellent. It is important to note that, although those with lower credit scores might be approved, a higher credit score increases your chances of card approval and potentially higher credit limits.

Credit limit?

Your initial credit limit with the Belk Store Card will be determined by various factors, including your creditworthiness, income, and other factors evaluated during the application process. Credit limits vary and are assigned individually.

Limit increase?

Credit limit increases on the Belk Store Card are determined by the card issuer and depend on factors such as your payment history and overall creditworthiness. To request a credit limit increase, contact Belk’s customer service department. It’s a good idea to have a history of responsible credit usage and on-time payments before making this request.

Online application?

You can apply for the Belk Store Card online by visiting the Belk website and following the application process. The online application will ask for your personal details, income, and other financial information.

Hard credit pull?

When you apply for the Belk Store Card, a hard credit pull is performed by the card issuer to assess your creditworthiness. This may have a temporary impact on your credit score. It is important to be aware of the implications of a hard credit pull before applying for any credit card.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.