Belk Rewards Credit Card Review

Belk Rewards Credit Card

Belk, the prominent department store brand founded in Monroe, North Carolina, in 1888 by William Henry Belk, has been there for well over 100 years, despite the fact that few people realize it. Belk is now a fixture in dozens of retail malls across the United States, with over half of its 300 US locations functioning as anchor stores. Belk sells a wide range of women's and men's clothing, accessories, and shoes, as well as cosmetics and home furnishings.Belk is a popular choice for many department store shoppers, with more than a century of retail experience under its belt, and the Belk® Rewards Card is likely one of the reasons. With three different reward tiers, the more you spend, the more you get – just keep an eye on the high annual percentage rate.

Pros & Cons Analysis of Belk Rewards Credit Card


  • $0 annual fee

  • one point per dollar for all Belk purchases

  • 400 points for $10 Belk Reward Dollars


Belk Rewards Credit Card Highlights

Rewards: Belk's reward system is as straightforward and simple as they are. Simply use your credit card at any Belk store or and earn 3 reward points for every $1 spent. Whenever you reach 1,000 points in a calendar year, you will receive 10 USD Belk Reward Dollars. You must spend approximately US$334 at Belk to reach the 1,000-point threshold to receive the US$10 Belk Reward Dollars. This is what many Belk bought for minimal return. Belk Rewards Card has a three-tier reward system that can provide the greatest return to the largest consumers. 

Credit card discounts: The Belk Rewards card earns additional accolades for providing instant savings and sign-up bonuses. New account holders can save up to 20% on eligible first-day purchases. If you make a purchase on the first day of opening your account, you will also receive $10 in Belk Reward Dollars. The award certificate will be mailed for two to three billing cycles after you earn 1,000 points and can only be redeemed at Belk, whether in store or online. No other reward redemption method is provided. If your Belk Rewards card is inactive for 12 months, all remaining reward points in your account will be forfeited. Even if your account is in good standing, the reward points will expire one year from the date of earning.

FQA of Belk Rewards Credit Card

  • How do Belk reward dollars work?

    You will receive $10 Belk Reward Dollars for every 1000 Reward Points you earn in a calendar year. Belk Reward Dollars will be issued in $10 increments for every 1000 points in your Reward Points balance at the time they are issued. A fair credit score (FICO score 650+) is usually required to be approved for a Belk® Rewards Credit Card. To apply, go to your nearest Belk store or use the link below to apply online.
  • What bank issues Belk card?

    Synchrony Bank issues the Belk Rewards Mastercard® under license from Mastercard International Incorporated. Mastercard International Incorporated is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. See the offer's specifics. Belk Elite members receive Free Shipping In-Store (and online purchases), a 20% pick your own sale day (once per quarter), and four invitations to Elite Savings Days in addition to all of the benefits of the Belk Premier Rewards Card status.
  • What is unique about belks loyalty program?

    Customers who use the new Belk Mastercard® online or in-store can earn rewards faster. For example, Belk Rewards cardholders can earn three points for every dollar spent. Cardholders of the Belk Rewards Premier card can earn four points. When you use your Belk Elite Rewards Card as the only form of payment, you will receive free standard shipping online or in store.

Related Belk Rewards Credit Card Coupons uses cookies to ensure that we give you the best experience on our site. If you continue, assumes that you consent to our Cookie Policy.