The Belk Credit Card is a solid store card that rewards you for shopping at Belk while still giving you the flexibility to use your card elsewhere. The huge number of perks for using the card at Belk offer frequent Belk shoppers a lot of value. When you apply, you may also qualify for the Belk Rewards MasterCard. That lets you use your card elsewhere to earn even more rewards.

It’s still worth considering a more versatile rewards card, as you could potentially earn far more from a travel or cash-back card. Try out the CardCruncher tool to see which card will reward you the most. Otherwise, read on to find out everything you need to know about the Belk Credit Card.

Belk Rewards Credit Card Highlights

Here’s a brief overview of the Belk Credit Card:

Annual Fee: $0

APR: 25.49%

Sign-Up Bonus: 20% off all purchases made that day, plus $10 in Belk rewards with your first purchase on the day of approval.

Belk Credit Card Benefits:

  • Earn 3% to 5% back on Belk purchases
  • Belk Rewards MasterCard earns 2% back on gas and groceries
  • Belk Rewards MasterCard earns 1% back on all other purchases
  • 20 exclusive savings events each year
  • Receipt-free returns
  • Bonus rewards events
  • Birthday coupons
  • Free online shipping
  • Quarterly pick your own sale day (20% off)

Belk Credit Card Minimum Payment:

The minimum payment is the greater of:

  • $28 ($39 if you’ve made a late payment in the past six statement cycles)
  • The sum of 1% of your new balance
  • All interest charges
  • Any past due amounts
  • Any late payment fees
  • Any payment due in connection to a special payment plan

Belk Credit Card Fees:

  • Up to $39 for late payments

Why Apply for the Belk Rewards Credit Card

There are a few reasons to apply for the Belk Credit Card.

You want to get perks at Belk

All Belk Credit Card cardholders get basic benefits, which include 20 exclusive savings events each year, receipt-free returns, bonus rewards events, monthly cardholder savings days and 3% rewards on Belk purchases.

If you spend at least $600 at Belk each year, you’ll qualify for Belk Premier Rewards, which ups your rewards rate to 4% on Belk purchases, and comes with birthday coupons and invitation-only savings days.

If you spend at least $1,500 at Belk each year, you’ll qualify for Belk Elite Rewards, which increases your rewards rate on Belk purchases to 5% and lets you choose one day each quarter to be your personal sale day when you get 20% off all purchases.

You want a store card that you can use in other places

Most store credit cards only work at that family of stores. Store cards are inherently less useful than generic credit cards that work anywhere. If you qualify, the Belk MasterCard can be used anywhere that accepts MasterCard. It  earns 2% cash back on gas and groceries, and 1% on all other purchases. That helps stack up even more rewards for when you shop at Belk.

Belk Rewards Credit Card: Drawbacks and Downsides

There are some drawbacks to consider before you apply for the Belk Rewards Credit Card.

Low rewards rate for non-Belk purchases

The Belk MasterCard pays 2% on purchases at gas stations and grocery stores, and 1% cash back on all other purchases. These rewards rates are typical for a category-based credit card. Some cards offer as much as 2% cash back, regardless of the type of purchase.  Category-based cards can often offer bonus rewards as high as 5% on specific spending categories, rather than restricting the bonus rewards to one store.

Inflexible rewards

The rewards you earn with the Belk Credit Card only work at Belk stores. Most non-store rewards cards pay cash back that you can redeem anywhere, or rewards points you can redeem for gift cards, merchandise or travel. Redeeming your rewards for Belk reward dollars isn’t an issue if you shop at Belk regularly, but you’re likely better of having a more flexible rewards currency.

Belk Rewards Credit Card Alternatives

If you’re considering applying for the Belk Rewards card, consider one of these alternatives.

Citi Double Cash Card

If you’re looking for a card with flexible cash-back rewards, consider the Citi Double Cash Card. You can use the Citi Double Cash Card at any retailer that accepts Mastercard. When you do, you’ll earn 2% cash back on every purchase. You’ll earn 1% at the time of purchase, and another 1% when you pay your bill. You can redeem your cash back once you’ve earned at least $25.

Chase Freedom

If you want to get a card that offers bonus rewards in a variety of categories, apply for the Chase Freedom card. With the Chase Freedom, you’ll earn 1% cash back on most transactions, but 5% cash back on purchases from rotating bonus categories. The 5% bonus categories change every quarter, which means there’s always a new chance to earn bonus rewards on the horizon.

Belk Rewards Credit Card FAQs

Here are a few other things to know about the Belk Credit Card.

Do Belk Credit Card holders get free shipping?

Belk Credit Card holders who qualify for the Belk Elite Rewards Card by spending at least $1,500 per year at Belk stores will receive free shipping on all Belk online orders.

Can you redeem Belk rewards dollars online?

Yes, you can redeem your Belk rewards dollars when you shop on Belk’s website.

Does Belk offer free returns?

Yes, all Belk Credit Card holders qualify for free, receiptless returns on products purchased at Belk stores.

Bottom Line: Should You Apply for the Belk Rewards Credit Card?

The Belk Credit Card is a solid choice if you shop at Belk reguarly. If you don’t shop at Belk often, you have little reason to get the card. Qualifying for the Belk Rewards MasterCard certainly helps, as you can earn rewards on all your non-Belk spending. But your rewards are still only valid at Belk. Chances are you’re better off with a more versatile rewards credit card; use the CardCruncher tool to find the best card for you.

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