Belk Credit Card – How to Get the Most from Your Belk Credit Card

Are you a frequent Belk shopper looking to save money on purchases? The Belk credit card offers valuable perks that make it easy to rack up savings across clothing, home goods, beauty products and more.

Belk Credit Card

This article will provide an in-depth look at the key benefits, rewards program, costs, eligibility and other details to know about the Belk store card.

The Belk Credit Card

The Belk Rewards Credit Card is a store-only credit card that can be used to finance purchases at Belk department stores across the 16 states where they operate.

Cardholders enjoy perks like special discounts, bonus reward certificates and deferred interest financing promotions.

Key Features and Highlights

Key features of the Belk Rewards Credit Card include:

  • 20% off coupon for first purchase when opening a new account
  • 1,000 bonus rewards points equal to $10 in rewards dollars awarded for first purchase
  • Earn 1 point for every $1 spent at Belk stores and
  • Reward certificates issued for every 2,500 points earned
  • Exclusive cardholder discounts and sales
  • Option for deferred interest financing on purchases

The one-time 20% and $10 rewards bonuses apply only to first-time purchases on newly approved accounts. Exclusions include certain departments, gift cards, services, Marketplace, and specialty orders.

Earning and Redeeming Belk Rewards

The Belk Rewards program makes it simple to start accumulating savings on every transaction. Here’s a breakdown of how earning and redeeming rewards works:

Earning Rewards Points

As a cardholder, you’ll receive 1 point for every $1 spent on Belk purchases. So if you spend $100 on apparel for example, you’ll earn 100 points. Points have no expiration while the account remains open.

Bonus Opportunities

Throughout the year, cardholders can take advantage of bonus point offers and incentives. These may include 5x or 10x points days on certain categories or sitewide discounts when using the card.

Reward Certificates

For every 2,500 points earned, a $25 reward certificate is issued. So you would need to spend $2,500 to earn one certificate. Certificates can be easily redeemed for purchases online, in-app or in stores. They must be used within 60 days from issue date.

Elite Status Levels

Depending on your annual spending, you’ll rise to higher elite tiers that bring more reward perks:

  • Elite: $500+ annual spending
  • Premier Elite: $1,000+ annual spending
  • Grand Elite: $2,500+ annual spending

Higher levels qualify for bonus certificates, free shipping and exclusive promotions.

Belk Credit Card Financing Options

While the Belk card is primarily for earning discounts on purchases, cardholders can take advantage of two special financing offer categories:

Deferred Interest Promotions

These are similar to no interest financing offers from other retailers. Qualifying purchases over a minimum threshold are eligible for 6-24 months of deferred interest. If balances are paid in full before the promotional period ends, no interest accrues.

Flex Pay

This is an ongoing fixed monthly payment plan that splits any purchase amount over $29 into equal monthly payments. No down payment or application is required.

Using financing requires making minimum payments on time to avoid penalty rates above 29.99% APR.

Costs and Fees of the Belk Visa Card

The Belk credit card has some fees to be aware of:

  • Late Payment Fee – Up to $38
  • Returned Payment Fee – Up to $38
  • Cash Advance Fee – Greater of $10 or 3%

Plus deferred interest transactions revert to a 29.99% APR if not fully paid off within the promotional timeframe.

The regular purchase APR ranges from 24.99% to 29.99% variable. There is no penalty APR.

How to Apply and Check Eligibility

Applying for the Belk Rewards Visa card can be done instantly online, over the phone or inside local Belk stores. Here is the process to follow:

Online Applications

You can complete the secure application on the Belk credit card website. It only requires basic information including:

  • Name and address
  • Date of birth
  • Social Security Number

Decisions are provided instantly. If approved, you can start using an account number within minutes to shop online before receiving your physical card by mail.

In-Store Applications

Stop by the credit desk at your nearest Belk location to apply for a new account on the spot. You just need a valid photo ID and a few minutes to complete the application form.

Eligibility Requirements

Approval decisions are based on factors like:

  • Credit scores (typically 670+ FICO score)
  • Income level
  • Existing debt obligations
  • Credit history length (preferably 5+ years)

Meeting these criteria improves the chances for a higher initial credit line and interest rate.

Students or those new to credit can call the online or in-store applicant line for information on eligibility requirements. Authorized users are also allowed.

Making the Most from Your Belk Card

Once approved, be sure to take advantage of all the built-in benefits and rewards redemption opportunities. Here are some final tips for maximizing value:

  • Check Promotions Calendar

Ongoing sales and specials exclusive to cardholders are updated monthly on the Belk website. These typically include extra point bonuses or discount days.

  • Load Offers to Card

From the website or app, easily add available coupons and percentage-off deals to your account to scan during checkout.

  • Shop Strategically

Aim to earn rewards certificates just before making a major seasonal purchase like back-to-school items or winter wardrobe updates.

  • Pay Balance Monthly

Set up autopay linked to bank account to ensure on-time payments. This prevents late fees and potential jump in interest charges.


For frequent Belk shoppers across its Southeast US locations, the Belk Rewards Visa card offers easy savings directly in line with spending.

The ability to earn and redeem rewards certificates on top of cardholder discounts provides consistent value on regular purchases over time. Just be sure to pay off balances monthly and take advantage of bonus opportunities and exclusive deals to maximize perks.

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