| Rewards | Insider Tier — if you spend less than ~$300/year: earn 4 points per $1 spent at Belk (??4% back). Premier Tier — spend between ~$300 and ~$999.99/year: 5 points per $1 Elite Tier — spend $1,000+ per year at Belk: 7 points per $1 (??7% back). |
|---|---|
| Signup Bonus | A 20% off coupon (on most Belk merchandise; 15% off on Home/Shoes categories). 1,000 bonus Belk Reward Points — that equals $10 in Belk Reward Dollars. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 36.49% |
| Cash Advance Fee | Either $10 or 5% of the advance amount, whichever is greater |
| Late Payment Fee | Up to $40 |
| Purchases APR | 34.99% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Belk Credit Card stands out as a store-focused rewards card with no annual fee, offering 4–7% back in Belk Reward Dollars depending on how much you spend each year. Most users say it’s great for regular Belk shoppers, especially with the 20% off welcome coupon and tiered rewards that can make clothes and home goods feel more affordable.
Many reviewers mentioned they enjoy the extra perks, like birthday rewards, special savings events, and occasional free-shipping offers. People who use the card frequently appreciate how straightforward it is to earn and redeem points, and how the rewards feel like real value when shopping in-store.
On the flip side, users often complain about the high interest rates if balances aren’t paid in full, and some feel limited by the rewards being usable only at Belk. A few reviewers also noted that inactivity could lead to lower credit limits or account closures, which can be frustrating for occasional shoppers.
Personally, I think the Belk Credit Card is worth it only if you shop at Belk multiple times a year and are disciplined about paying your balance in full. For anyone seeking flexible cashback, travel perks, or low-interest options, there are better choices out there, but for dedicated Belk fans, it can be a solid little bonus.
RATE THIS CREDIT CARD
Please enter a title of your review.
Please enter a title of your review.
Please write some review.
Bro sorry, but some error occurred :O
G
Great for In store Deals Limited
I enjoy the Belk card's special sales and birthday offers, but earning rewards feels slow and acceptance is mostly just Belk. Fun for mall trips, less helpful as a main card.
B
Belk clothes
I used to love to shop at Belks, but not now. I am an older woman but do not dress like an old woman, and do not want to. I can seem to find anything there anymore without very low neck line or ruffles on the bottom of the blouse and sleeves. Also their APR is way to HIGH.
V
Payment
Unable to make a payment on line.
S
Belk card customer satisfaction
True about lowering your credit limit.they don't go on how you handle their account.They pulled from your credit score. All they want is superior credit score people.. This is discrimination in a sense.The one card I kept. I didn't abuse it,paid full.A letter limiting my credit to minimal about.I sent thecard to them.I won't be shopping there.
T
Horrible credit card
lower your credit limit without giving you any advance notice. When you call customer service and inquire about the situation no one seems to have any knowledge.
C
horrible
impossible to pay bill on line
L
AWFUL! Don't be fooled.
Never had such a band experience as with Belk/Synchrony Bank. They do not treat you like a human. They treat you like an unwanted entity. I have never been late, nor missed a payment date, NEVER!... and they closed my account. If you were allowed to give 0 stars, it would be more fitting.
D
5 stars
always pleased
N
Review
Ok
