Belk Rewards Credit Card

For People with
Fair Credit



The Belk Rewards credit card provides 3X points per dollar spent at Belk, 2X points per dollar spent on groceries and fuel, and cardmember-only discounts throughout the year. Cardholders will be awarded with upgraded status for spending more each year.

For your first 24 hours after being approved, you’ll get 20% off everything at Belk (except 15% off home/shoes purchases). You’ll also earn $10 in Belk Rewards Dollars by making a purchase during those first 24 hours.

There are a number of in-store benefits, including 20 exclusive savings events per year, bonus reward events, receipt-free returns, and early access to in-store promotions and events.

This card has no annual fee.

Card Quick Facts

Card Quick Facts

  • 3X points per dollar spent at Belk
  • 2X points per dollar  spent on groceries and fuel
  • 20% off all purchases the day of approval (except 15% off home/shoes purchases)
  • $10 in Belk Rewards Dollars when you make a purchase on the day of approval
  • Exclusive savings days throughout the year
  • Extra Points days throughout the year
  • Returns don’t need a receipt
  • No annual fee

For People with
Fair Credit



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Card Details



  • 3X points per dollar spent at Belk, both in-store and online
  • 2X points per dollar spent on:
    • Groceries
    • Fuel purchases
  • 1X point per dollar everywhere else

Introductory Bonus

  • 20% off for 24 hours when you sign up for your card (15% off Home/Shoes); $10 in Belk reward dollars after first purchase for 24 hours
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 25.49%
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology None
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 29.99%
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $10 Belk Reward Dollars

    Make a purchase on the first day you open your account with your card and get $10 in Belk Reward Dollars.

  • Receipt Free-returns

    You won’t need a receipt to return items to the store.

  • Events & Discount Days

    20 special savings events throughout the year including discounts, bonus rewards, and early access to in-store promotions.

  • This Card Comes w/ Mastercard Benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

  • Belk Premier Status – Spend $600 per year

    • Special Financing: Through the Belk Rewards Flex Pay Plan
    • Free Deluxe Gift Wrap
    • Free Basic Alterations
  • Belk Elite Status – Spend $1,500 per year

    • Triple Points Events: A chance to earn Elite Rewards Points, which never expire.
    • 15% Off Pick Your Own Sale Days
    • 20% Off Birthday Coupon
    • Free Shipping: In-store and online.
  • Zero Fraud Liability

    You will not be held responsible for unauthorized charges made on your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 1 reviews
by Jasmine

Do not get this card!! I had excellent credit/high 700’s until getting this card. I accidentally missed 1 month of a $16 charge, Belk’s doubled the charge, then reported it to all credit bureaus! It did not end there. Belk’s then dropped my credit line from 800 to 100 make it appear that the $35 charge was me using 35% of my credit line. This dropped my credit score by 123 points!!!! Years towards building a excellent credit score undone by a 1 month late, $16 payment! I will never shop or use a card from Belk’s again. I have credit cards from Wells Fargo and capital one and have never had to deal with this. Thank goodness I am not trying to buy another house at this time. I hope this helps save someone else from a huge mistake!

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