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Belk Credit Card

belk credit card
Required Credit Score:
Fair
4 191 reviews   Write a Review
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Belk Credit Card’s Rewards

Bonus
15% discount
Base Earn
1 point / $1
Max Earn
1 point / $1
Earn / Redeem Limit
No
  • 15% new account discount for a full day of shopping.
  • Special Extra Points Events.
  • Earn 1 point for every $1 spent with your Card.
  • Every 400 points=$10 Belk Reward Dollars.
  • 35 exclusive savings days each year.
  • Receipt-free returns.

Belk Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
24.49% (V)
  • ANNUAL FEE None

Belk Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    N/A
  • CASH ADVANCE
    FEE
    N/A
  • FOREIGN
    TRANSACTION FEE  
    N/A
  • SMART CHIP   No
  • Zero fraud liability.
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Belk Credit Card Reviews

 
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1 2 3 4 5
 
3.8
Overall Rating: 3.8 / 5
Total Ratings: 191
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Apr 17, 2015
Photo of Chatana K.
3
By:
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.
Mar 31, 2015
Photo of George B.
4
By:
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.
Mar 16, 2015
Photo of Oliver F.
2
By:
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.
Feb 27, 2015
Photo of Julian R.
5
By:
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.
Feb 12, 2015
Photo of Justin W.
5
By:
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.
Feb 5, 2015
Photo of Javier F.
2
By:
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
Jan 22, 2015
Photo of Timothy S.
2
By:
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.
Jan 6, 2015
Photo of Holly M.
5
By:
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.
Nov 26, 2014
Photo of Yasmina R.
4
By:
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.
Nov 10, 2014
Photo of Troy S.
1
By:
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.
Sep 15, 2014
Photo of Warren I.
4
By:
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.
Sep 3, 2014
Photo of Brittany C.
3
By:
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.
Aug 11, 2014
Photo of Kami D.
2
By:
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!
Jul 29, 2014
Photo of Aaron H.
3
By:
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
Jul 5, 2014
Photo of Brian M.
2
By:
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.
Jun 9, 2014
Photo of Jay L.
4
By:
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.
May 26, 2014
Photo of Jordan T.
4
By:
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.
May 9, 2014
Photo of Alex J.
3
By:
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.
Apr 7, 2014
Photo of Howl C.
3
By:
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.
Mar 15, 2014
Photo of Dawniel T.
3
By:
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.
Mar 5, 2014
Photo of Allie B.
3
By:
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.
Feb 18, 2014
Photo of Michelle S.
3
By:
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.
Feb 17, 2014
Photo of Aleja S.
3
By:
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.
Feb 2, 2014
Photo of James K.
5
By:
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.)
Dec 30, 2013
Photo of Kitty S.
3
By:
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.
Dec 17, 2013
Photo of Lindsay K.
4
By:
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
store.
Dec 13, 2013
Photo of Jane L.
2
By:
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.
Dec 6, 2013
Photo of Chelsea M.
4
By:
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.
Dec 4, 2013
Photo of Jason B.
4
By:
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.
Nov 26, 2013
Photo of Jay F.
2
By:
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
Nov 22, 2013
Photo of Michael C.
4
By:
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
Nov 19, 2013
Photo of Tori H.
4
By:
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!
Nov 17, 2013
Photo of Lisa J.
4
By:
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
Nov 11, 2013
Photo of Erin N.
4
By:
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
Nov 8, 2013
Photo of Princess L.
4
By:
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.
Nov 4, 2013
Photo of Krystal M.
3
By:
Nov 4, 2013
The Belk Store Card is much better than other store cards. There is no annual fee with 23 days grace period. 15% off your first purchase, in my opinion, isn't a great attraction, but the reward points are great. There is no reward point limit like there is with other store cards and you can look up your rewards online. They Also have 35 days a year that are special saving days for card holders. My only real concern is the 24% interest rate, which is considerably high, but still in comparison with other store cards. I would rather stay with my bank credit card because of the significantly lower interest rates.
Oct 31, 2013
Photo of Allen M.
4
By:
Oct 31, 2013
I really like that the Belk store card has no annual fee, those things drive me insane. The late fee is nice and low but the grace period could stand to be a little longer, I’m used to thirty days with my other credit cards. The rewards program is not bad considering it is an extra bonus that gives you back 10 dollars for every 100 you spent. The annual interest it a little high, I would want something in the 15-18% range, like my kohl’s card. Overall this card is good; it could stand a few upgrades for it to be great but if you often shop at Belk more
Oct 18, 2013
Photo of Corey S.
4
By:
Oct 18, 2013
If you shop at Belk then this card is for you! My favorite part about this card was the 15% off they offered me on my first purchase. That is why I applied for the card and I couldn't be happier. They have 35 different days every year that have special savings when using the card. You also accumulate points as you spend, so the more you spend, the more you save. The APR is about average for store cards at around 24%, but if you're a fan of Belk I would seriously think about getting this card.
Oct 15, 2013
Photo of Sam H.
4
By:
Oct 15, 2013
I originally signed up for this card to get the discount at the checkout and then planned on getting rid of it. After really looking I was surprised that it's not a bad card so I decided to keep it. The Belk Store credit card is a great credit card as far as store credit cards go. The interest is high like any other store card but unlike a lot of others it has a great point system. My khols card has the same rates but only offers discounts randomly. With the Belk card I get the discounts and build points overtime I shop. If you do a lot of more
Oct 8, 2013
Photo of Bela K.
5
By:
Oct 8, 2013
I think the Belk Store Card is good for most people who shop here. There is a good rewards program and it is pretty efficient for most shoppers like myself. After you get 400 points, you will receive a ten dollar rewards certificate. I love this aspect of the card. In addition to the rewards, there is no max overlimit fee as well as no max penalty APR. The grace period is average at 23 days, but it works well for me. The one thing I'm not too fond of about this card is the thirty five dollar late fee.
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Dec 9, 2011
Photo of Johnnie S.
By:
Dec 9, 2011
Can Belk card be used to buy belk gift cards?
Dec 10, 2011
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.
Other Belk Cards

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Last updated on: Apr 17th, 2015 at 8:35 EDT