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belk credit card review

Regular customers of Belk will be interested in the Belk credit card since it offers several attractive rewards for cardholders. In this article, regular customers at Belk will come to know about the pros and cons of the Belk credit card and the rewards that it gives to cardholders.


Top Advantages of Having a Belk Credit Card

Some of the good points about the Belk credit card include the zero annual fee and the relatively low credit score requirement of 680.


There are several more attractive features:

  • The credit card comes with a handsome first purchase discount of 15%to 20% on the first day of shopping.
  • You can gain 3 points for every dollar that you spend at the Belk store or at Belk.com
  • The Belk premier rewards card is even better since it offers 4 points for every dollar that you spend at Belk store or at Belk.com
  • The Belk elite rewards card will give you the maximum return of 5 points for every dollar that you spend at Belk.com or the Belk store
  • If you also posses MasterCard, you will get 2 points for every dollar that you spent on fuel and groceries
  • If you also own MasterCard, you will also get 1 point on $1 spent anywhere else
  • Redeem 1000 points for $10 worth of Belk reward dollars
  • Exclusive access to 20 savings events annually
  • Early access for promos and events at the store


Bonuses and Interest Rates

The fact that this card offers a wide array of bonuses and comes without annual fees, makes it ideal for those who make the bulk of their purchases at Belk. Although the APR is towards the high side of around 24%, it is quite normal for store-branded credit cards to have this level of interest rate.


Types of Belk Credit Cards

Much like other store-branded credit cards, Belk offers its card in 2 types: (i) the simple store card (ii) Belk-branded MasterCard


The latter option is linked to the MasterCard which will offer very attractive rewards on other purchases such as a 2 percent reward rate for spending on gas and grocery and a one percent rate on any other purchase.


Each Belk Card Has Different Benefits

The reward percentage will not vary between the cards. However, the advanced cards will give you higher rates of reward for shopping at Belk and will offer great bonuses as well. To remain qualified for your advanced cards, you must purchase annually within the spending bracket that made you eligible for the advanced card.


Belk Card Tiers

The following are the types of cards offered by Belk:

  • Belk Rewards: This is the basic card that you will obtain by default. The reward rate at Belk for this card is 3 percent which amounts to 3 points per dollar spent.
  • Belk Premier Rewards: You will gain access to this card if your expenditure at Belk during the year is from $600 to $1,499. The reward rate for this card at Belk is 4 percent.
  • Advanced Card: Belk Elite Rewards. You will gain access to this card if your expenditure at Belk over the year is more than $1500. The reward rate at Belk for this card is 5 percent.


Belk Premier Rewards Card

Advanced cards offer greater bonuses and rewards. The Belk Premier Rewards Card provides these bonuses as well:

  • Premier Savings Day invitations.
  • Ability to make flexible payments through Belk rewards flex pay plan.
  • Birthday coupon


Belk Elite Rewards Card

The most advanced card at this store is the Belk Elite Rewards Card. All the rewards featured above are provided by this card along with the following rewards that are not offered by other Belk store cards:

  • Four Elite Savings Day invitations
  • Pick Your Own Sale Day with 20% off on a quarterly basis
  • Free shipping for purchases made in-store or at Belk.com


In general, the more advanced the card, the higher the rewards and bonuses. Therefore, those spending substantial amounts at the Belk store will be better off if they apply for the Belk card.


More Benefits

The bottom line is that the cards offer generous rewards for those who make a lot of purchases at the Belk store. However, remember that there are a number of tiers for these cards. For instance, if you shop at Hot Topic with the Hot Topic card, you will enjoy a reward rate of 5 percent.


One great advantage is that if you have a MasterCard, you can then use the card anywhere.


Possible Drawbacks

One major con is that it may not be of much use to those who do not spend substantial amounts at Belk.


Credit Impaired Customers Can Benefit

A big advantage for those with a poor credit score is that Belk cards are easy to apply for since like other closed loop store cards, they have less stringent criteria for approval. Credit disadvantaged customers will find it much easier to apply for the Belk card as compared to standard cards from Discover, MasterCard, Visa, etc. Even for those who have a limited credit history, the Belk credit card makes a fine option.


Easier To Weigh the Benefits

Since there are no annual fees that must be paid to use these cards, you won’t have to follow your rewards dollars to ensure that they are exceeding annual payments.


Easy to Understand

The offers, bonuses, and discounts are also pretty straightforward and easy to understand. So, first-time credit card users will not have any difficulty with the Belk credit card. The rewards are sent automatically.


MasterCard  Advantage

If you meet criteria for MasterCard, then you will automatically receive the MasterCard in lieu of the standard store card.


Receiving Belk Rewards

Keep in mind that you will start to earn your reward dollars via mail once your score goes up to the 1000 point mark. There is also a hundred dollar limit on every billing cycle. Whatever amount is in excess of $100 will be received during the next billing cycle. However, the chances of amounts exceeding $100 are quite low since you will have to spend big to reach that amount. The reward dollar points are valid for one year so make sure that you claim your reward within one year of earning the points.


As with all credit cards, you must make timely payments to keep the maximum amount from your rewards.


Our Last Thoughts on the Belk Credit Card

This is a great credit card to have if you are a regular shopper at Belk. If you’re not, you may want to consider these more versatile options.



The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. If you have good credit, you should consider a few other options that will give you better benefits. The credit cards below are a few of our favorites, especially if you’re interested in traveling more. A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.


 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Belk Credit Card Review (BONUS: 3 Better Alternative Credit Cards) 1
Chase Freedom Unlimited
Belk Credit Card Review (BONUS: 3 Better Alternative Credit Cards) 2
Sapphire Preferred
Belk Credit Card Review (BONUS: 3 Better Alternative Credit Cards) 3
Signup Bonus$150 (15,000 pts)$150 (15,000 pts)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >>Learn More >>Learn More >>


Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel or as cash back.


We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!

About Lindsay

Lindsay is a frequent traveler who loves traveling for free. She uses points and miles for free travel whenever possible. Her favorite locations include Thailand, Iceland, Nashville, and Hawaii.

Advertiser Disclosure: Travel Freedom has partnered with CardRatings for our coverage of credit card products. Travel Freedom and CardRatings may receive a commission from card issuers.