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Belk Credit Card

belk credit card
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205 reviews   Write a Review
Info about the Belk Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Change my rating to: Excellent

Belk Credit Card’s Rewards

20% discount
Base Earn
1 point / $1
Max Earn
1 point / $1
Earn / Redeem Limit
  • Save 20% all day when you open an account.
  • When advertised, receive $20 in Belk Reward Dollars when you spend $100 or more in the Cosmetics & Fragrance Department with your Belk Credit Card.
  • Special Extra Points Events.
  • Earn 1 point for every $1 spent with your Card.
  • Every 400 points=$10 Belk Reward Dollars.
  • Receipt-free returns.

Belk Credit Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
24.49% (V)

Belk Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • GRACE PERIOD   23 days
  • Zero fraud liability.
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Customer Questions and Answers

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Can the spouse get a separate charge?

0 Votes

Can Belk card be used to buy belk gift cards?

Photo of Card H.
Dec 10, 2011
Johnnie - You should be able to use the Belk Store Card to buy anything that they sell at Belk stores, including Belk gift cards.
0 Votes 4 4

Customer Reviews

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3.8 out of 5

205 reviews
Photo of Stephen M.
Nov 3, 2015
The Belk Store Credit Card is a good card to use if you do quite a bit of shopping there. Their rewards for every $400 you spend in store you get a $10 gift card is way beyond what most reward programs will offer. I recommend saving up signing for this card until you know you will be making a large purchase because you will get 20% off your purchase on that first day only. This can go a long way towards saving money. Their bonus sales are also a plus when you have the card, so it will definitely be your go to card for Belk purchases.
Photo of Justin A.
Oct 1, 2015
Having a Belk Credit Card is worth your time if you shop relatively frequently at Belks. There is no annual fee and instant incentives to signing up. They give you 20% off of your first purchase and give your points that result in cash after a few purchases. When they do sales such as 20% off your purchase, card owners often get an additional bonus such as 30% off. Twould recommend this card for anyone who pays off their card at the end of the month but not to someone who keeps a balance. The APR is high and adds up quickly for people I have known to do this.
Photo of Reese A.
Aug 12, 2015
The Belk Credit Card is much like other department store cards in that it is useful when you shop at the store. You earn 1 point for every $1 you spend with the card, which I like in that you can accumulate points if you are an avid shopper at Belk. The card is similar to the Macy's credit card which also has an APR around 24.49% and offers 20% bonuses to new cardholders on initial purchases. There is no annual fee with the card as with other department store cards. In the end this card is good for anybody who does significant shopping at Belk stores as a way more
Photo of Emery B.
May 20, 2015
I had a Belk store card for many years and think one of the best things about it is the extra savings and incentives it offers for being a loyal customer. You receive 15% off your entire purchase during your first day of shopping and using the Belk card. The card also offers reward dollars for every purchase you make at the store. While the rewards are not as good as my Target store card, they are better than what a lot of other similar stores offer. The downside of the card is that the interest rate is pretty high and there can be some lofty late fees if you're more
Photo of Dexter M.
May 4, 2015
I quite like the terms of the Belk Credit Card, with the caveat that the rewards are limited to shopping at Belk. And since that's something I rarely do, the card probably doesn't make much sense for me. The 15% new account discount is something I've never seen before though, and is a great incentive to get the card, as are the 35 exclusive savings days per year. The 2.5% reward is quite generous too, but again comes with the caveat that it's limited to Belk reward dollars. I obviously prefer my Capitol One card, which gives 2% back on all purchases. On the other hand, I'm glad that the more
Photo of Chatana K.
Apr 17, 2015
I most likely wouldn't apply for the Belk Store Card. The reasons being, I don't usually shop there. I prefer my Target store card because I shop there more. They have things more my style and preference when it comes to clothes and housewares. The Belk card also has a higher interest rate. Although I do like the Zero fraud liability offered by this card, and the point reward system is not too bad.
Photo of George B.
Mar 31, 2015
One of the big advantages of this card is the 15% discount that is awarded on the first full day of shopping. There is annual fee for the card, but that can be wiped out by not staying current with payments. The card does charge 24.49% interest and a $35 late fee. There is zero fraud liability.
Photo of Oliver F.
Mar 16, 2015
Belk store card is not really worth it unless you are a very loyal customer. The APR is on par with other store cards, so pay it off in full every month for the discounts they offer amount to anything. The point system is basically $10 for every $400 you spend, which is less than %3 back in reward money, not even close to cover taxes. It is better than nothing, so like I said it's probably only worth it if you are a loyal shopper there.
Photo of Julian R.
Feb 27, 2015
This is a really well put together credit card with plenty of incentives to purchase one. First of all for every dollar you spend, the Belk Store Card gives you a point. That is a huge system to go by! What other card gives you one point per dollar you spend? Especially when you generally use credit cards to make large purchases. Also, if you make a new account they give you a fifteen percent discount on a full day of shopping! Compared to most companies, this Belk most definitely has the incentives to make anyone want to sign up.
Photo of Justin W.
Feb 12, 2015
This is a solid credit card. It has a great point system, with 1 point for every dollar spent its really easy to rack up those points fast. As far as online support goes, I just needed a very basic card for shopping with and it does the job. I'm about to get my second $10 400 point Belk reward and it will help pay for itself.
Photo of Javier F.
Feb 5, 2015
My fiance, now my wife, used to shop here a lot so I took advantage of the hefty discount they give you a sign up. That's the only good thing about this card because after that it was hell. We ended up moving and we were in a different time zone so one of my payments was late. We tried to call to explain this to them and they would not budge. Other cards I've had give you a second chance but not them! I even offered to fax them a plane ticket to show them!

Also the interest rate is really high, so if you plan to carry a high more
Photo of Timothy S.
Jan 22, 2015
I probably wouldn't apply for the Belk Store Card for a few reasons. First of all I don't shop here much even though my wife does quite a bit. I prefer my Target store card because I shop there more, they have more of what I wear. The Belk card also has a higher interest rate, a shorter grace period and offers less incentives. My wife might want this card, but for me it just wouldn't make sense. Although I do like the Zero fraud liability offered by this card. I'll have to check around and see if my other cards offer this.
Photo of Holly M.
Jan 6, 2015
This is a great opportunity to get 15% off of things that you were already going to buy. the extra points are a great idea too because you can earn more money to spend while you are buying things from them. returns are also easy as all you need is proof of receipt, so I would strongly recommend the Belk Store card.
Photo of Yasmina R.
Nov 26, 2014
If you like to purchase from Belk Store website I recommend you apply for the Belk Store Card, as it offers a 15% discount when you apply the first time towards a complete day for shopping.This card also offers special extra points events, so you earn 1 point for every dollar spent on Belk Store. When you have accumulated 400 points in total they will give you a$10 coupon to use toward future purchases and also 35 exclusive savings per year. The best of it is, if you need to return any of your items its a hassle free, receipt free return. I recommend the Belk Store card for this purpose.
Photo of Troy S.
Nov 10, 2014
As a store card this card seems to have some great benefits. It has that typical heavy discount for the first time you use the card and has some additional special promotions. It gives points for purchases so that you can earn reward dollars and it allows the user to take advantage of 35 exclusive savings days each year, but doesn't specify when those days are in the article. The big down fall I see for getting this card is the high interest rate and the short grace period. I don't think this is a card that I will use.
Photo of Warren I.
Sep 15, 2014
A lot of store cards can be extremely useful, and I do not see the Belk store card being any different. Belk's APR on this card is simply too high for it to be considered very appreciative of their customers, however. Although, if paid off in full each period, the Rewards Points and exclusive savings days can be a real reward for a frequent Belk customer. In the end, I think this card can be a great value.
Photo of Brittany C.
Sep 3, 2014
The Belk Store card sounds like a great card for people who have good credit and shop at the Belk Store frequently. However if you don't have very good credit you won't be able to be approved for this card, whether you shop at the Belk Store frequently or not. I would hope that this store has a card option for those you have less than great credit scores as many people do.
Photo of Kami D.
Aug 11, 2014
The Belk Store Card is ok. If you are a frequent shopper at Belk, it is probably worth it. You have to have at least a "fair" credit score to be approved. The downside is that the rewards are hard to obtain. You must spend $400 to receive $10 in Belk Rewards Dollars. The interest rate can be very high. I'm loving the receipt-free returns!
Photo of Aaron H.
Jul 29, 2014
The Belk Store card has both positives and negatives that will attract or turn off credit card holders. For example, it is a reward card, but unfortunately you have to spend $400 just to receive $10 cash back, which in comparison to some reward cards like ie:CapitalOneRewards you are not receiving very much back for what you spend. However, the APR is similar to other department store cards, and even less than say a BestBuy card. One plus that I do like about the card is the receipt-free returns, and the savings that you can get annually. Overall I give the card 3 stars due to the fact that although more
Photo of Brian M.
Jul 5, 2014
The Belk Store Card is an okay card with a few decent features. On the plus side, you earn 1 point for every dollar you spend on the car. Every 400 points earns you $10 Belk Reward Dollars. The negatives of the card are 1) there are only 35 exclusive savings days each year and 2) The APR is completely outrageous at 24.49%. Unless you're going to pay off your entire balance each time you receive your statement, you'd be better off using a different method of payment to shop at Belk.
Photo of Jay L.
Jun 9, 2014
This card looks good. One feature that I especially like is the receipt free return feature. This is often a real pain for me to keep up with, so I like that the card eliminates that. I also like that accumulating points on the card gives me actual cash back rather than a percentage off as with most cards. One thing I noticed was that the grace period was only 23 days. This seems very odd, and I feel like this would be a number that I would struggle to keep track of.
Photo of Jordan T.
May 26, 2014
The Belk store card comes with a generous initial shopping discount and rewards program, however rewards are only available for use through the Belk store. This is great for anyone who frequently shops at Belk, but not for anybody who wants to have a cash back option. The card is operated through GE Capital, which I have had nothing but good experience with. While an intro APR of 24.49% is high for a credit card, I believe the rewards program makes this a great deal for anyone who does not intend to carry a balance.
Photo of Alex J.
May 9, 2014
This card is great for the Belk fans out there. My mother frequents the store a lot and uses her card to her advantage. If you only go to the store a few times a year then I would consider a different option. Some cards give 2 points for every dollar which may give you more rewards. Overall this card is a fair way to save some money at Belk.
Photo of Howl C.
Apr 7, 2014
The Belk Store Card seems to be your average, run of the mill store card. It's nice that you're able to earn points as well as a 15% discount when you open the card, but I feel that the point to dollar ratio is a tab bit high. It's nice that there are no fees associated with this card, which is very nice! The only real draw back for this card is the high APR, so if you're the type of person who likes to carry a balance, this card may not be what you're looking for.
Photo of Dawniel T.
Mar 15, 2014
The Belk Store Card seems like a fairly decent store card. I like the fact that it has a reward program per dollar spent. The initial 15% bonus is okay, however a bonus on each transaction would be better. The no fee is ideal! The set back may be the required credit score for some people, however all the other features seem comparable and maybe slightly better than other store cards. I did not see an apr mention so that makes me wonder a little. I would inquire about the apr rate before even applying.
Photo of Allie B.
Mar 5, 2014
The Belk store card is a great opportunity for department store lovers! Every dollar you spent is points earned toward rewards. However, unlike cards like the Capital One Venture card, it is only usable at Belk, so it is only worthwhile for a dedicated Belk fan.
Photo of Michelle S.
Feb 18, 2014
Belk seems like a great credit card like any other department store credit card. I've had a credit card with department stores like Macy's where they constantly offer special days for savings. It's always a perk to get points from where ever you shop.
Photo of Aleja S.
Feb 17, 2014
It seems like a standard store credit card, good rewards for shopping in store and 15% off your one day shopping trip seems like a good deal. I would recommend it if you are an avid belk's shopper, but if you are just looking for a general credit card there are better options out there. It also doesn't say what the regular rate is and that concerns me.
Photo of James K.
Feb 2, 2014
The Belk Store Card seems like a good store card, but I like one card I can use for multiple stores, and there are not any Belks in the area I moved to recently. I do like that you get a rewards certificate after spending and earning 400 points, cashback/points reward systems are always a good incentive( and cause me to spend more than normally, haha.)
Photo of Kitty S.
Dec 30, 2013
I have had a Belk credit card for at least 15 years. I have used it quite often but I prefer to use a credit card that gives me points for travel or products other than clothes. I do like the fact that if you return an item without a receipt, the cashier can just look for the charge on your account and credit it. It seems to take me a long time to accumulate the 400 points necessary to get the $10 coupon. I would definitely use the Belk card more often if I could use the points for purchases from other stores.
Photo of Lindsay K.
Dec 17, 2013
The Belk Store card is great if you shop frequently at Belk. You initially get a 20% discount off of your whole purchase. $10 for every $400 spent isn't the
highest amount of reward, but I guess if you buy things a lot, it might add up.
I do also like the fact that they sometimes hold double points events for customers.,
as well as 35 exclusive shopping days each year. Customers like to feel like
they are receiving special treatment when they hold a credit card from a specific
Photo of Jane L.
Dec 13, 2013
The Belk Store Card is an alright credit card for those who frequent the store. There is no annual fee and an okay points system. You get $10 for each 400 points you earn, which is $400 or less depending on if you get bonus points. This is alright, but not super great. For comparison, the JC Penny card rewards you with $10 per $100 spent, which is much better overall. The initial 15% discount is a perk. The interest rate is mediocre for a store card.
Photo of Chelsea M.
Dec 6, 2013
The Belk store card is an awesome choice for people that are in a position like mine. This card enables you to collect reward points that benefit you so much in the end. The day you even open an account the store gives you a 15% off your purchase. The more you spend on your purchases increases the percentages you can get off your entire purchase after a certain amount of time. In comparison to the Target store card, i feel like this is more exclusive and beneficial.
Photo of Jason B.
Dec 4, 2013
The Belk Store Card is a pretty great all-around choice. The special events, reward points, and introductory deal are amazing, while the fees and grace period make it easy to try out. The support is decent and the website makes it really convenient to track all of these benefits. The interest rate could certainly be lower for those with high credit and looking to take advantage of it, but that does not stop this from being a solid choice.
Photo of Jay F.
Nov 26, 2013
The good features of this card begins with the 15% off purchases the day you open your account. A person could open an account, when doing their holiday shopping for example, with an offer like this and save quite a good amount of money. Unfortunately that is the best that Belk has to offer with this card. They are consistent with other store cards with their high interest rates (nearly 25%). The rewards system is also lackluster. Unless you are shopping on double point event days, the rewards are $1 spent earns you 1 point. 400 points gets you a $10 rewards certificate. So spend $400 and basically get a more
Photo of Michael C.
Nov 22, 2013
I would say that the Belk Store Credit Card does have a couple nice features that someone could benefit from. The initial 15% discount for opening an account is a nice incentive for consumers, and the reward points are decent especially for a store credit card. The rewards I receive from my CitiBank card are not as good as the Belk Card. This credit card does not have an annual fee which doesn't impress me to much because many cards offer the same. My main concern is that the APR is a bit high so you definitely want to make sure you pay that balance off each month, otherwise your more
Photo of Tori H.
Nov 19, 2013
I'm gratified by the fact that the maximum late fee is $35 for this card. My bank charges me way more than that for overdraft fees! The $10 in Belk Rewards for every 400 points earned ($400 spent) is a little low for me, personally. I'm not likely to remember to shop on those exclusive savings days, though. Online tracking seems pretty standard for similar cards, though it's great and a necessary feature. Shopping with the Belk Store Card is nice for discounts but I don’t think I’m able to accumulate enough points to redeem them for any of those rewards. No annual fee is a HUGE plus!
Photo of Lisa J.
Nov 17, 2013
I love my Belk Store Card. From the moment I applied and opened the credit card, I have enjoyed several benefits. I got 15% off all purchases that very day. Although it does have a higher interest rate, it has a 23 day grace period- almost a whole month before adding any late fees. Also, this card has a $35.00 max on late payments; thus, allowing me the breathing room needed when I was unable to work for one week last month. The store offers special savings to its card holders on 35 special days throughout the year. I have no reward point limits, like I do with my other more
Photo of Erin N.
Nov 11, 2013
I like that there is a max late fee of $35. My Victoria Secret and Kohls cards will keep charging me late fees as long as I don't keep paying. This has been hard when I've gone through a rough patch. With the Belk card, I wouldn't be worried that I would eventually owe hundreds of dollars in late fees. I also like that the grace period is 23 days. If I am short on cash for that month, I get almost a whole month before a late fee is added. I do like the high interest rate. I feel that with an interest rate that high, they should offer more
Photo of Princess L.
Nov 8, 2013
The Belk card is a pretty standard store credit card. It offers an additional 15% discount that can be used until closing in the day you opened the account. Points accruals for every dollar you spend that qualifies you for coupon discounts is a nice touch. The special card related sale days are pretty standard to other store cards as is the interest rate. Overall the Belk card is a pretty standard card with the added bonus of the point accruals. I have been very happy with this card and the perks it offers over the last few months I have had it.
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Last updated on: Nov 22nd, 2015 at 11:27 EST

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