How do I check my Belk gift card balance?

Belk points are worth 1 cent each, on average. For example, 10,000 Belk points have a dollar value of roughly $100. As a result, Belk points are less valuable than the average department store's rewards points, which are valued at 1.72 cents each.

The easiest way to calculate the value of a retailer’s rewards points for any redemption method is to determine the dollar value of what you’re redeeming for, minus any taxes and fees that you’ll still have to pay, and then divide that amount by the number of points you’re required to redeem. For your convenience, here’s the formula for Belk points:… read full answer

Dollar Value of Redemption Item / Number of Belk Points Needed = Belk Point Value

How to Earn More Belk Points

It’s important to remember that while you can’t change the redemption values of Belk points, you can increase the rate at which you earn them. One of the best ways to increase the number of Belk points that you earn is to apply for either the Belk Mastercard or the Belk Store Credit Card. That can also help you reach a higher status tier in the Belk Rewards program, further boosting your earning potential.

Belk Points vs. The Competition

The Belk Credit Card credit score requirement is 700, at a minimum. That means you need good credit or better for approval.

Keep in mind that when applying for the Belk Credit Card, you will also be considered for the Belk Store Card. Which card you’ll get depends on your credit score and several other factors. The Belk Store Card requires fair credit or better (a credit score of 640+) for approval.… read full answer

Here’s what you should know before applying for the Belk Credit Card:

• When applying for the Belk Credit Card, you will also be considered for the Belk Store Card.
• Once your application is reviewed, you will receive offers based on your creditworthiness. If you have lower credit, you’re more likely to be eligible for the Belk Store Card.
• Unlike the Belk Credit Card, which can be used anywhere Mastercard is accepted, the Belk Store Card will be restricted to Belk stores.
• In addition to your credit score, there are other factors that could impact your chances of approval. Some other key criteria include your debt-to-income ratio, payment history and recent hard inquiries.

So, make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.

You can check your Belk Rewards credit card balance online or you can download the Belk app where you can manage your credit card account, schedule payments and make purchases. For technical support, call 866-560-4456.

Alternatively, call 877-295-2080 to check your Belk Rewards credit card balance by phone.