Belk Store Card
Belk Store Card
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
28.49%
Balance Transfer
Balance Transfers Not Allowed
Rewards
Save 20% all day when you open an account.
Get $10 when you open your account and make a purchase.
Earn 4 points per $1 for $0-$299.99, 5 points per $1 for $300-$999.99 and 7 points per $1 for $1,000+ spent at Belk or Belk.com. Every 500 points = $5 Belk Reward Dollars.
Free Standard Shipping 2x per year. Terms and conditions apply.
Get $10 on your birthday.
Belk Store Card's Additional Info
VIP Savings Events.
Zero fraud liability.
cash advance fee | N/A |
cash advance APR | N/A |
foreign transaction fee | N/A |
smart chip | No |
max late fee | $40 |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 23 days |
Editor's ReviewFact checked
Belk Store Card Pros & Cons
No membership fees
High rewards rate
20% discount + $10 initial rewards bonus
Qualify with fair credit
High Regular APR
Compare The Belk Store Card vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR28.49% | Regular APR19.48% or 29.99% (Variable) | Regular APR29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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How long does it take to get approved for the Belk Credit Card?
The Belk Credit Card approval decisions are usually issued immediately. However, in rather rare cases, it can take up to 4 weeks to get a decision. If 4 weeks have passed since submitting your application, please call the issuer, Synchrony Bank, at 800-530-6886.
You will receive your full credit card number and credit line by regular mail 7-10 business days after your account is approved.
What are the best installment loans for gig workers?
The best installment loans for gig workers are from PenFed and Discover because they offer low starting APRs, lengthy repayment terms, and $0 origination fees. PenFed's low credit score requirement of 580 makes its loans easy to qualify for, while Discover requires a yearly income of just $25,000 to qualify. These lenders also accept many different types of income documentation, such as bank statements or tax returns, in place of a traditional pay stub.
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How long does it take to get the Belk Store Card?
It takes 7 to 10 business days to get the Belk Store Card after being approved for it.
Once you're approved, you will receive a temporary shopping pass to use online and in stores, while you wait for your card.
If it's been more than 2 weeks, and you still haven't received your card in the mail, call Belk's customer service at (800) 669-6550 to ask about it.
Can I withdraw cash from my Belk credit card?
You can't get a Belk Store Card cash advance because it's a store card, and it comes with limitations:
- you can only use it at a Belk store;
- you can't do a cash advance;
- you can't do a balance transfer.
If you're interested in a Belk card that allows cash advances, you can take a look at the Belk Credit Card, instead.
Does the Belk Store Card do a hard pull?
Yes, the Belk Store Card does a hard pull when you apply for it. This might have a short-term negative effect on your credit score. Unfortunately, there's no way to check if you pre-qualify but your approval odds are good even with fair credit.
How do I get a Belk Store Card credit limit increase?
You can get a Belk Store Card credit limit increase by calling 1-800-530-6886.
You have the best chances for an increase when you pay your bills in full and on time, or if your credit score and income have improved since your application. Also, generally cardholders are only eligible for an increase once they have made at least 6 payments on time.
Keep in mind, that a credit limit increase might result in...
How do I apply for the Belk Store Card?
You can apply for the Belk Store Card online or in any Belk store location.
You'll need at least a fair credit score for approval and will probably get a decision immediately.
Don't forget that a credit card application will result in a hard pull on your credit report, so make sure you qualify for it, in order to avoid damaging your credit score.
Belk Store Card Reviews
Share your insights and review for the Belk Store Card
What's Your Rating?
Very good service and friendly . Cashier showed very friendly . Love Ladies shoes , Clothes , Kitchen Equipments and bed sheets , comforts .
I love Belks its a great store and a great place to shop its hard to get hold of customers service I'm trying to see my bill I wish they would take out if I had the money
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