Skip to content

Belk Rewards Credit Card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Our rating
Credit range: Fair
Annual Fee: $0
Regular APR: 25.49%

Belk Rewards Credit Card

Our rating
Fair Credit range
$0 Annual Fee
Apply Now

Highlights & Features


  • 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


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

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR None
Balance Transfer Fee None


Penalty APR None
Late Fee Up to $38
Returned Payment Fee Up to $38
Additional Cards Annual Fee None
Foreign Transaction Fee None

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR: 29.99%
  • Cash Advance Fee: None

Synchrony Bank

Synchrony Bank has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-669-6550 or

Try a different phone number
See all Issuer Cards
Belk Rewards Credit Card


  • 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

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.