Minimum Credit Score Needed 
Fair
Belk Credit Card
By:
Synchrony Bank
Info about the Belk Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Jan 22, 2020
Review: Belk Credit Card
- Nice initial bonuses. You’ll get a hefty discount the day you open your Belk Credit Card account: 20% on most items, with the exception of “Home/Shoes” purchases, which qualify for 15% off. Your first purchase will also trigger a 1000-point bonus, redeemable for $10 at Belk. So it’s best not to apply for the Belk Rewards Credit Card until you’re ready to spend a lot at the store.
- Decent, but uninspiring ongoing rewards. You will earn 3 points for every $1 charged to your Belk Store Credit Card, which equates to 3% cash back, considering 1000 points are worth $10. That’s obviously well above the 1.07% offered by the average cash back card, but it’s only about half of what you’d get from the best store credit cards.
- No financing appeal. The Belk Card doesn’t offer 0% intro rates, and its regular APR is just above the store card average of 25.70%. So it’s best if you always pay your monthly bill in full.
- $0 annual fee. Most store cards don’t charge an annual fee, so this particular feature doesn’t really set the Belk Credit Card apart from the crowd. But the lack of a fee does make it easier to justify opening a credit card only for purchases at a single retailer.
- Only requires fair credit. The fact that you can get approved for the Belk Store Credit Card with just “fair” credit gives the card some appeal to people who don’t even shop at Belk. After all, you can build credit without making any purchases, as long as you keep your account in good standing.
- Average user rating. It’s always good to see what current and former cardholders have to say before applying, so make sure to check out the Belk Credit Card reviews below.
Jan 22, 2020
Another popular card for you
Fingerhut Credit Account
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
29.99%
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Bad
Show More
Hide More
Belk Credit Card's Rewards
- Save 20% (15% on Home and Shoes) all day when you open an account.
- Get 1,000 points when you open your account and make a purchase.
- Earn 3 Points per $1 for $0-$599, 4 points per $1 for $600-$1,499 and 5 points per $1 for $1,500+ spent at Belk or Belk.com. Every 1,000 points = $10 Belk Reward Dollars.
- Bonus Rewards Events and 20 Exclusive Savings Events each year.
- Receipt-free returns and Early Access to In-store Promotions and Events.
Belk Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| Not Offered | Balance Transfers Not Allowed | 25.49% |
|
Purchase Intro APR
|
Not Offered |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
25.49% |
| ANNUAL FEE |
$0 |
|---|
Belk Credit Card's Additional Info
| MAX LATE FEE |
$39 |
|---|---|
| MAX OVERLIMIT FEE |
None |
| MAX PENALTY APR |
None |
| GRACE PERIOD |
23 days |
| ONLINE RESPONSE |
No |
| CASH ADVANCE APR |
N/A |
| CASH ADVANCE FEE |
N/A |
| FOREIGN TRANSACTION FEE |
N/A |
| SMART CHIP |
No |
- Zero fraud liability.
at Synchrony Bank 's secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about Belk Credit Card to our community.
Can the Belk card be used to buy Belk gift cards? Reply 4313
WalletHub
@WalletHub
Yes, you can use your Belk Store Card to buy anything they sell at Belk stores, including Belk gift cards. Best of luck!
43
Upvotes
Can I apply for a Belk credit card? Reply 113
WalletHub
@WalletHub
Yes, you can apply for a Belk card online. Just click the Apply Now button above and you will be guided through the process. If you're unsure whether your credit standing qualifies you for approval, you can check your credit score for free by signing up on WalletHub. Best of luck!
11
Upvotes
Can I use my Belk Credit Card anywhere? Reply 51
Cassidy Aldyer
@cassidy_aldyer
You can only use your Belk credit card at Belk stores. You have to keep in mind this is a store card and most store cards only work for that specific store. That's why the score requirement's lower. They're inclined to accept you, since they're getting a loyal customer. You can only use a card anywhere if it has a Visa or Mastercard logo on it.
5
Upvotes
How can I get a Belk Credit Card credit limit increase? Reply 47
WalletHub
@WalletHub
You can request a credit limit increase by calling the issuer’s customer service department at 1-800-530-6886. Just keep in mind that cardholders generally aren’t eligible for a higher credit limit until they have at least six months of on-time payments under their belts.
You can find additional information and helpful tips here. Best of luck!
4
Upvotes
What is my Belk credit card balance? Reply 31
@laurence_s
You can get your Belk credit card balance online here: https://www.synchronycredit.com/eSecurity/Login/login.action?clientId=belk&accountType=generic&langId=en or you can download the Belk app where you can manage your credit card account, schedule payments and make purchases. Hope this helps.
3
Upvotes
My husband applied and all it said was that they needed more information. What do they need? Reply 34
3
Upvotes
Can I withdraw cash from my Belk credit card? Reply 2
Noah Lawlet
@lawlet_noah
You can't get a Belk credit card cash advance because it's a store card, there are obvious limitations: you can't use it at any other store (just Belk), and you can't do a cash advance or a balance transfer.
That's why it's got a lower requirement; it's for loyal Belk customers only.
2
Upvotes
Belk Credit Card Reviews
Share your insights and review the Belk Credit Card.
Jan 22, 2020
Terrible card. Warning if you purchase this card you will pay lots of interest
even if you pay on time. My last balance for last month was 62.38 dollars when i called to pay it this month it went up to 66.98. You have been warned. If i could give a zero star I would.
even if you pay on time. My last balance for last month was 62.38 dollars when i called to pay it this month it went up to 66.98. You have been warned. If i could give a zero star I would.
Comment
Apr 20, 2019
I had a zero balance on my account and was denied a purchase because the last payment I made, 48 hours earlier taking it to a zero balance, had not cleared. It had cleared MY bank but they hadn’t posted it yet. Very embarassing in front of a long line of customers. I won’t use card again
Apr 17, 2019
I've been with belks for several years I've used my belks credit card for different occasions and paid them off several times I was late two times out of all the years I had this card and now because I've run into some problems with one of my other creditors , Belks decided that I don't need credit from them without no warning no contact letting us know anything but when they sent my monthly statement I've got a very low credit line well all I want to say is when I get back on track Belks will no longer have my business starting now and forever!!!… show more
Nov 28, 2018
Please do not get this card!!! My credit score was high 700’s. I have taken years to build it up. I was 1 month late making a $16 payment. They doubled the payment! Reported it to all creditors!!! And decreased my credit line to $100. Making it look like I have used 35% of my credit line! My credit score dropped 123 points from a missed payment of$16.00! Please spare yourself and your credit! I’ve literally used this card maybe twice, it was not worth it. A general card such as capital one savor or Wells Fargo are the way to go, you get points and/or cash back. They take care of there customers oppose to hurting them. I will never shop at Belk’s another day of my life or use their card!! I hope my rant spares someone.… show more
Mar 25, 2018
Like the Belk Store card, have had it over 5 yrs now got it when at low point in my credit journey w/ 300 CL got 1st CLI ~4mths in since then it's grown to 10k ,, so I can shop w/o eating up the util. also @ the Premier and Elite reward levels you get added perks such as the Flex Pay option to do 0% which is great considering retail APR.
I love the sales and holiday specials they have..I think I like the new reward program,but at least they trying to stay fresh...… show more
I love the sales and holiday specials they have..I think I like the new reward program,but at least they trying to stay fresh...… show more
Nov 03, 2015
The Belk Store Credit Card is a good card to use if you do quite a bit of shopping there. Their rewards for every $400 you spend in store you get a $10 gift card is way beyond what most reward programs will offer. I recommend saving up signing for this card until you know you will be making a large purchase because you will get 20% off your purchase on that first day only. This can go a long way towards saving money. Their bonus sales are also a plus when you have the card, so it will definitely be your go to card for Belk purchases.… show more
Oct 01, 2015
Having a Belk Credit Card is worth your time if you shop relatively frequently at Belks. There is no annual fee and instant incentives to signing up. They give you 20% off of your first purchase and give your points that result in cash after a few purchases. When they do sales such as 20% off your purchase, card owners often get an additional bonus such as 30% off. Twould recommend this card for anyone who pays off their card at the end of the month but not to someone who keeps a balance. The APR is high and adds up quickly for people I have known to do this.… show more
Aug 12, 2015
The Belk Credit Card is much like other department store cards in that it is useful when you shop at the store. You earn 1 point for every $1 you spend with the card, which I like in that you can accumulate points if you are an avid shopper at Belk. The card is similar to the Macy's credit card which also has an APR around 24.49% and offers 20% bonuses to new cardholders on initial purchases. There is no annual fee with the card as with other department store cards. In the end this card is good for anybody who does significant shopping at Belk stores as a way to build points with the rewards program and to have access to extra savings.… show more
May 20, 2015
I had a Belk store card for many years and think one of the best things about it is the extra savings and incentives it offers for being a loyal customer. You receive 15% off your entire purchase during your first day of shopping and using the Belk card. The card also offers reward dollars for every purchase you make at the store. While the rewards are not as good as my Target store card, they are better than what a lot of other similar stores offer. The downside of the card is that the interest rate is pretty high and there can be some lofty late fees if you're not careful. Another downside is that unlike my Macy's store card, the Belk card cannot be used anywhere but Belk stores. Compared to other store cards, the Belk card offers great incentives but is only really worth it if you are a loyal customer that shops there often.… show more
May 04, 2015
I quite like the terms of the Belk Credit Card, with the caveat that the rewards are limited to shopping at Belk. And since that's something I rarely do, the card probably doesn't make much sense for me. The 15% new account discount is something I've never seen before though, and is a great incentive to get the card, as are the 35 exclusive savings days per year. The 2.5% reward is quite generous too, but again comes with the caveat that it's limited to Belk reward dollars. I obviously prefer my Capitol One card, which gives 2% back on all purchases. On the other hand, I'm glad that the reward does seem to simply be the equivalent of cash at the store. I don't bother with cards that earn points to be redeemed for specific items. Anyway, if I shopped at Belk a lot I don't think I'd hesitate to apply for this card--the 15% one-day discount alone would make it worthwhile. But since I rarely shop at Belk it's not something that makes sense for me.… show more
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
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
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.… show more
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.… show more
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 05, 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 balance you may as well put it on a normal card with normal rates. Avoid getting this is you can and find deals another way.… show more
Also the interest rate is really high, so if you plan to carry a high balance you may as well put it on a normal card with normal rates. Avoid getting this is you can and find deals another way.… show more
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.… show more
Jan 06, 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
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.… show more
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.… show more
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.… show more
Sep 03, 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
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 28, 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 it offers some savings, you may have to spend quite a bit to see significant ones.… show more
Jul 04, 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.… show more
Jun 09, 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.… show more
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.… show more
May 09, 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 07, 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.… show more
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.… show more
Mar 05, 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
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
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 02, 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
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.… show more
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.… show more
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.… show more
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.… show more
Dec 06, 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.… show more
Dec 04, 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.… show more
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 $10 gift card t the store. That equals out to a 0.25% rate. While better than nothing, it is quite a small amount when looking at rewards that other cards offer (even store cards for that matter - see Gap or Target for some examples). If you opened this card on a day you were making a big purchase and then mostly only shopped on days they offered double points then you could get some OK value from using this card. Otherwise, it doesn't stand out from other store cards and isn't a very attractive credit card overall.… show more
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
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Last updated on: January 22nd, 2020 at 08:10
Related Credit Cards
If you are interested in the Belk Credit Card, check out the following credit cards as well:
Other Belk Cards
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Jan 22nd, 2020 at 08:10 ET