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Belk Credit Card Review

Belk Rewards+ Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Fair Credit
Card Rating:
There are a number of discounts available to you when you make purchase with your belk credit card. Besides, you can earn a lot of reward points too while shopping with this card. Next, you can do a lot of easy returns too. In case you are returning within 180 days, then you do not need a receipt even as you had shopped with this credit card.

There is no standard rewards program as the Belk card is offering rewards as well as extra bonuses that are based on three different tiers. And these tiers are based on the amount you spend annually. Here the default level is the Rewards level. This allows for receipt-free returns and one point for every dollar that is spent at the Belk stores. There will be $10 as Belk Reward Dollars each time that you reach 400 points. You may use this on all your future Belk purchases. Spending at least $600 in a calendar year lets you reach the Premier tier. This allows you to get everything in the Rewards tier, in addition to flex payment plans and a lot of special offers. Spend $1,500 in a calendar year lets you reach the top tier which is Elite. Here you get all the features of the other two tiers besides free shipping, along with 20% personal sale days of your choice. Next are birthday coupons, besides a host of other exclusive savings events.

Belk Credit Card Details


  • Every 1000 Points = $10 in Belk Reward Dollars with Zero Brand Exclusions9


Max. Rewards: 4 Points per $19
Sign-up Bonus: Get 1,000 Bonus Belk Rewards Points9


Purchase Intro APR: No intro APR9
Purchase Regular APR: 28.49%9
Cash Advance Fee: See terms9
Cash Advance Regular APR: See terms9
Balance Transfer Intro APR: See terms9
Balance Transfer Regular APR: See terms9
Balance Transfer Fee: See terms9
Annual Fee: See terms9

Belk Credit Card Benefits

You are able to get up to 2.5% cashback when you shop with Belk credit card. In case you shop regularly at the Belk shops, you earn rewards points. The more you shop, the higher your level goes and you earn still more rewards besides a host of other benefits. There is no annual fee for these cards which is a big advantage. You can make use of Belk reward points even if you are buying some other brand. Besides, many department stores other than Belk stores honor these reward points. This is a big advantage.

You can make returns easily. In case you have shopped by making use of the Belk credit card, then you do not even need a receipt in case the purchase had been made within the preceding 180 days. This is a great benefit of this credit card as it is very difficult to have a receipt handy all the time. Besides, no one will be keeping a receipt with them always as there are no plans to return merchandise after buying it.

Belk Credit Card Drawbacks

There are a few credit cards that offer more cashback, even while shopping at Belk stores. You may like to check that out. Besides, this cashback that you get can be used for other purchases besides at Belk stores. Hence this is a significant disadvantage here.

Contact Information


Contact Belk Rewards Credit Card Customer Service:

(Mon. - Sat. 8:30AM - 7PM EST)

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User Comments about Belk Rewards+ Credit Card

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I decided to apply for this card when I wanted to buy shoes and there was 20% off for the cardholders. I applied online as it is the most convinient way, no need to visit a bank. I received a limit $300 and late it was increased.