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Belk Credit Card: Fashion and Finance Unite

Belk Credit Card

Are you curious to learn about a credit card that offers fantastic rewards and exclusive perks? Look no further than the Belk Credit Card. But what is so special about Belk Credit card?

The Belk Credit Card offers a range of benefits, including generous rewards, access to special savings events, flexible payment options, and exclusive perks for cardholders. With its rewards program, cardholders can earn points for future purchases and enjoy additional discounts on select products.

Do you want to learn more about Belk credit cards? Wait no more and keep reading the article till the end.

Does Belk Have a Credit Card?

Yes, Belk does offer a credit card to its customers. The Belk Rewards Credit Card allows you to earn rewards and enjoy exclusive benefits when shopping at Belk stores or online. By using the Belk credit card, you can earn points on purchases and receive special offers, discounts, and access to cardholder events. It’s a convenient way to enhance your shopping experience at Belk and take advantage of additional savings and perks.

What is a Belk Credit Card?

what is Belk Credit Card

The Belk® Rewards Credit Card is a credit card offered by Belk, a department store chain. It provides benefits and rewards for regular shoppers who frequently make purchases at Belk. The card offers a tiered rewards system, where cardholders can earn up to 5% back in Belk Reward Points based on their annual spending.

The card has an annual fee of $0 and an APR of 25.49% as of June 2023. In addition to rewards, cardholders at higher tiers enjoy exclusive perks such as the Belk Rewards Flex Pay Plan, invitation-only savings days, and special birthday coupons. New cardholders can also receive a signup bonus, including a discount on their first purchase and bonus Belk Reward Points. If you are interested in a secured credit card, read the linked article. 

How Does a Belk Credit Card Work?

The Belk Rewards Mastercard® is specifically designed to cater to the needs of Belk’s most dedicated and frequent shoppers. This retail rewards card provides a flexible and customizable rewards system that adapts to the cardholder’s spending habits, ensuring a rewarding experience. Notably, the card offers additional points for everyday purchases such as gas and groceries, further enhancing the benefits for cardholders.

With the Belk Rewards Mastercard®, customers can enjoy an upgraded rewards program that goes beyond the standard Belk Rewards card. This means that as cardholders make purchases with their Mastercard®, they earn points that can be redeemed for various rewards and benefits. The rewards system is designed to align with the cardholder’s spending preferences, giving them the opportunity to earn more points on their preferred categories, including everyday essentials like fuel and groceries.

By leveraging the Belk Rewards Mastercard® for everyday expenses, such as filling up at the gas station or purchasing groceries, cardholders can accumulate points at an accelerated rate. This enables them to unlock even more rewards, discounts, and exclusive offers within the Belk ecosystem.

The upgradeable nature of the rewards system ensures that as the cardholder’s spending patterns evolve, so does their ability to earn and maximize rewards. This adaptability allows Belk’s biggest spenders to enjoy tailored benefits that align with their individual preferences and lifestyle.

In summary, the Belk Rewards Mastercard® is designed to cater to the needs of Belk’s loyal and frequent shoppers. By providing an upgradeable rewards system that offers additional points for everyday purchases, the card enhances the overall shopping experience and rewards cardholders for their continued support and patronage

What Bank Does Belk Credit Card Use?

Belk credit cards are issued by Synchrony Bank. Synchrony Bank is the financial institution that provides and manages the Belk credit card program. As a result, when customers sign up for a Belk credit card, they will be entering into a credit agreement with Synchrony Bank. This partnership allows Belk customers to enjoy the benefits, rewards, and convenient payment options associated with their Belk credit card.

Is It Hard to Get a Belk Credit Card?

Obtaining a Belk credit card is generally not difficult, as they have varying credit requirements. However, approval is subject to factors such as credit history and income. Meeting the criteria and having a fair credit score increases your chances of being approved for a Belk credit card.

How to Apply for a Belk Credit Card?

To apply for a Belk Credit Card, you have two options: online or in-store. It is important to note that applying for the Belk Credit Card over the phone is not available.

When you apply for the Belk Credit Card, you will also be considered for the Belk Store Card, depending on factors including your credit score.

Here is a step-by-step guide on how to apply for the Belk Credit Card:

  1. Online Application: Visit the official Belk Credit Card website and click on the “Apply Today” button. Fill out the application form with your personal details, such as your Social Security number, name, phone number, and mailing address.
  2. In-Store Application: Head to your nearest Belk store and approach a cashier to inquire about applying for the Belk Credit Card. They will provide you with an application form to complete. If your application is approved, you can start using your credit line on the same day.

Once you have submitted your application for the Belk Credit Card, you should receive an instant decision. However, if you do not receive an immediate response, it may take up to four weeks to receive a decision.

How Long Will It Take to Get Approved for Belk Credit Card?

When applying for the Belk Credit Card, the approval process typically results in an immediate decision. However, in some cases, the timeframe for receiving a decision may extend up to four weeks. If you have not received a decision within this period, it is advisable to contact the issuer, Synchrony Bank, at 800-530-6886 for further assistance.

Once your application is approved, you can expect to receive your complete credit card number and credit line details through regular mail. The delivery of these documents usually takes approximately 7-10 business days following the approval of your Belk Credit Card account.

It’s important to note that while most applicants receive an instant approval decision, rare circumstances may cause a delay in the process. If you encounter any concerns or inquiries regarding the status of your application, reaching out to Synchrony Bank will provide the necessary guidance and clarification.

How to Cancel Belk Credit Card?

Canceling a store credit card, such as the Belk credit card, maybe a decision you consider for various reasons. While department store credit cards can be helpful financial tools when used responsibly, there are circumstances where canceling the card becomes necessary. To assist you in the process, here is a guide on how to cancel your Belk credit card:

Step 1: Gather Information

Retrieve your latest credit card statement, as it contains important details such as your account number, payment history, and any remaining balance. If you don’t have your account number, ensure you have your social security number available, as it can be used to access your account.

Step 2: Contact Customer Service

Dial 866-235-5443 to reach Belk’s customer service. Note that canceling a Belk card cannot be done online. Enter your account number or social security number as prompted, and follow the prompts until you connect with a representative. Inform the representative that you wish to close your account. To verify your identity, you may need to provide additional information such as your date of birth and mailing address.

Step 3: Discuss Remaining Balance

Discuss with the customer service representative the payment of any outstanding balance on your account. It’s essential to address this, as an existing balance may impact the closure of your account.

Step 4: Confirm Closure Process

Ensure that the customer service representative marks your account as closed by the account holder, rather than closed by the credit granter. This distinction is crucial for protecting your credit score.

Step 5: Request Written Confirmation

Ask Belk to provide written confirmation of the account closure. The company should send you a letter containing this information. Make a note of the customer service representative’s name and any confirmation numbers provided during the call.

Step 6: Dispose of the Card

Cut up and properly dispose of your Belk credit card. If desired, retain any statements or account-related information for future reference, or securely shred them.

Step 7: Verify Closure on Credit Report

Approximately one month after the cancellation process, review your credit report to confirm that the account is marked as closed by the account holder, and ensure that the balance and other details reflect the current status.

Various Methods to Submit Your Belk Credit Card Payment

When it comes to submitting a payment for your Belk credit card, you have several convenient options available. Explore the different ways you can make a payment:

Online Payment

  • Log into your Belk account at or
  • Follow the instructions to make an online payment securely.

Mobile App Payment

  • Utilize the Belk mobile app to make your credit card payment.
  • Access the app and navigate to the payment section to complete the transaction.

Phone Payment

  • Dial 800-669-6550 to make a payment over the phone.
  • Follow the automated prompts or speak with a representative to process your payment.

Mail-in Payment

  • Prepare a check or money order payable to Belk.
  • Include your Belk credit card account number on the payment.
  • Mail the payment to the address specified on your billing statement.

In-store Payment

  • Visit a Belk store near you.
  • Approach the customer service or payment counter to make your payment in person.

What Credit Score Do I Need for a Belk Card?

To be eligible for the Belk Credit Card, a minimum credit score of 700 is required, indicating the need for good credit or better to increase approval odds. Prior to applying, it is advisable to assess your credit standing, which can be done for free on WalletHub. Alongside credit score, factors like debt-to-income ratio, payment history, and recent hard inquiries also influence the likelihood of approval.

What are the Benefits of Having a Belk Credit Card?

Below I’m adding the benefits of 3 types of Belk reward credit cards. 

Benefits of Belk Rewards Credit Card

The Belk Rewards Card is the perfect option for customers who spend up to $599 annually at Belk stores. Despite being an entry-level card, it offers a range of enticing perks. Upon account approval, you’ll receive 20% off all purchases on that day (except for home goods and shoes, which are eligible for 15% off). What’s more, you’ll earn $10 in Belk reward dollars when you make a purchase on your approval day, ensuring a great start to your cardholder experience.

But that’s not all! The Belk Rewards Card also provides you with several additional benefits:

  1. Earn 3% back in rewards on purchases made at Belk or
  2. Enjoy 2% back on gas and grocery purchases.
  3. Receive 1% back everywhere else Mastercard is accepted, and every 1,000 points can be redeemed for $10 in Belk reward dollars.
  4. Gain access to 20 exclusive savings events throughout the year, including special discount days dedicated to specific departments or product categories.
  5. Experience receipt-free returns for purchases made with your card, making the return process even more convenient.
  6. Take advantage of bonus reward events and enjoy savings on designated cardholder savings days each month.

With the Belk Rewards Card, you can make the most of your purchases while enjoying exclusive rewards, discounts, and a seamless shopping experience. If you’re interested you can also read about- reduce credit card limit.

Benefits of the Belk Premier Rewards Credit Card

The Belk Premier Rewards card offers enhanced benefits to customers who spend between $600 and $1,499 annually. In addition to the perks provided by the Belk Rewards credit card, the Premier Rewards card includes

  1. Increased Rewards: Earn 4% back in rewards at Belk or, compared to 3% offered by the Rewards card. Enjoy higher rewards for your eligible purchases.
  2. Birthday Perk: Receive a special birthday coupon as an exclusive benefit of the Belk Premier Rewards card. Take advantage of additional savings during your birthday month.
  3. Flexible Payment Options: Access the Belk RewardsFlex Pay Plan with the Belk Premier Rewards card. Enjoy the convenience of flexible payment arrangements.
  4. Exclusive Premier Savings Days: Gain access to invitation-only Premier Savings Days, where you can enjoy additional savings on select products. Take advantage of exclusive discounts and promotions during these special events.

Exclusive Benefits of the Belk Elite Rewards Credit Card

The Belk Elite Rewards credit card represents the highest-tier card offered by Belk, exclusively designed for customers who spend a minimum of $1,500 annually. Along with the perks provided by the Belk Premier Rewards credit card, the Elite Rewards card introduces additional advantages:

  1. Enhanced Rewards: Earn 5% back in rewards at Belk or, surpassing the 4% offered by the Premier Rewards card and the 3% provided by the Rewards card. Enjoy the highest rewards on your eligible purchases.
  2. Free Shipping: Benefit from complimentary shipping for both in-store and online purchases at Enjoy the convenience of having your items shipped to you without any additional cost.
  3. Quarterly Pick Your Own Sale Day: Experience the excitement of selecting a day of your choice each quarter for a special sale. Enjoy a generous 20% discount on purchases made on your chosen day.
  4. Exclusive Elite Savings Days: Gain access to four invitation-only Elite Savings Days annually. Take advantage of exclusive events where you can enjoy additional savings on a wide range of select products.

What are the Drawbacks of having a Belk credit card?

Below I’m adding a few drawbacks of having a Belk Credit card.

  1. Limited Redemption Options: One major downside of the Belk credit card, typical of many store cards, is its restrictive rewards program. Points earned can only be redeemed for Belk reward dollars. While these dollars can be used to purchase merchandise at Belk stores without brand exclusions, they cannot be redeemed for a statement credit or for purchases at other stores. If you prefer more flexibility in redemption options, other cash back or rewards credit cards offer a wider range of choices.
  2. Minimum Point Requirement: Rewards are only activated once you reach 1,000 points, meaning it may take some time to accumulate enough rewards to cash in. This requirement could delay the enjoyment of your earned benefits.
  3. Redemption Limitations: There is a cap of $100 on redeeming Belk reward dollars in a single billing cycle. However, any remaining rewards points can be carried over and applied to future billing periods. It’s important to note this restriction when planning your redemptions.
  4. Rewards Expiration: Belk rewards have an expiration date of one year. If you don’t redeem your earned rewards within this timeframe, they will expire, and you will lose the opportunity to utilize them. 

What is the Interest Rate on Belk Credit Card?

The Belk® Rewards Credit Card can serve as an effective savings tool for frequent shoppers who make substantial purchases at the store. However, it is important to exercise caution and avoid carrying a balance from one month to another due to the card’s relatively high APR of 25.49%. By being mindful of this aspect, cardholders can make the most of the card’s benefits while minimizing interest charges. Additionally, here is an article for you on  – Charge card vs Credit Card

Where Can I Use My Belk Credit Card?

The Belk Rewards Mastercard® can be used anywhere Mastercard is accepted, providing cardholders with the flexibility to make purchases both online and in physical stores at various merchants worldwide.

On the other hand, the Belk Rewards Card is exclusively accepted at Belk, allowing cardholders to utilize the card for purchases made specifically at Belk stores or on the Belk website. When applying for a Belk credit card, the specific card issued to an individual may vary, meaning that some applicants may receive the Belk Rewards Mastercard® while others may be issued the Belk Rewards Card, limiting its usage solely to Belk.

Comparing Belk Credit Card with Others

If you think Belk isn’t a good option for you then below I’m comparing with 2 other alternatives.

Credit Card


Credit Score Requirement

Annual Fee

Regular APR

Belk Credit Card

Every 1000 points equals $10 in Belk Reward Dollars

Bad credit is accepted

See terms


Macy’s Credit Card

Various discounts, rewards, and exclusive offers

Varies; typically fair to good credit


Variable, depending on creditworthiness

Kohl’s Credit Card

Kohl’s Cash rewards and exclusive discounts

Varies; typically fair to good credit


24.99% (Variable, depending on creditworthiness)

Frequently Asked Questions (FAQs)

Now let’s get some common questions on this topic.

Can I pay my Belk bill with a credit card

Yes, you can pay your Belk bill with a credit card. Belk accepts credit card payments through various methods, including online platforms like doxo, where you can conveniently make payments using your credit card, debit card, Apple Pay, or bank account. This provides flexibility and convenience in managing your Belk bill payments.

Can a Belk credit card be used anywhere?

Yes, a Belk credit card can be used anywhere Mastercard is accepted. Since Belk’s store credit cards are Mastercards, they carry the same acceptance as any other Mastercard credit card.

Can you pay Belk credit card in store?

Yes, you can pay Belk Credit card in the store. Just go to your nearby store and you’ll be able to use your card.

Where to find card number on Belk credit?

To check the balance of your Belk gift card, locate the card number and access code on the back of the card. The card number consists of 16 digits, while the access code is a 4-digit code. By using these details, you can easily access and verify the remaining balance on your Belk gift card.


That’s everything I had to share on – Belk credit card

So, In the end, I would say – you can surely experience the power of savings and rewards with the Belk Credit Card. From earning points on your purchases to access exclusive discounts and flexible payment options, this card can enhance your shopping experience.

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