The Belk Rewards Credit Card

For People with
Fair Credit



The Belk Rewards credit card provides 1 point for every $1 spent at Belk, as well as cardmember-only discounts throughout the year. Cardholders will be awarded with upgraded status for spending more each year.

Card Quick Facts

Card Quick Facts

  • 1 point per dollar spent at Belk
  • 15% off all purchases the day of approval
  • No annual fee
  • APR of 24.49%
  • Exclusive savings days throughout the year
  • Extra Points days throughout the year
  • Returns don’t need a receipt

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • Earn 1 point for every $1 spent at Belk, both in-store and online

Introductory Bonus

  • 20% off all day when you sign up for your card (15% off Home/Shoes)
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.49%
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 $35
Returned Payment Fee -
Balance Transfers

Balance Transfers

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

Cash Advances

Cash Advance APR -
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.

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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