Info about Belk Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR313Reviews29Q&AContact
RewardsAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Save 20% all day when you open an account.
Get $10 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.
Can't find what you are looking for? Submit your question about Belk Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
To check your Belk Store Card balance, log in to your online account or call credit card customer service at (800) 530-6886. It's also possible to check your Belk Store Card balance through the mobile app.
How to Check Your Belk Store Card Balance
Online:Log in to your account to see your Belk Store Card's balance.
By Phone: Call (800) 530-6886 and follow the prompts to have the automated system read your current balance.
By App: Log in to the card's mobile app. Your credit card balance will be shown on the home screen.
It's a good idea to keep an eye on your Belk Store Card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.
Share your insights and review the Belk Store Card
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19%
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49%
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3.6
313 reviews
313 reviews
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George Baumgartner @mrbretired
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4 Star Rating
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.
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Oliver Flew @oliver.frantz.7
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2 Star Rating
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.
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Penny Noland @julianhswork
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5 Star Rating
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.
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Justin Waddington @waddington
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5 Star Rating
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.
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Javier Furgon @javifurg
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2 Star Rating
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.
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Timothy Steele @webslicer
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2 Star Rating
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.
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Holly Marie @holly.marie.7315
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5 Star Rating
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.
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Yasmina Rivas @yasminar
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4 Star Rating
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.
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Troy Snyder @troy_d_snyder
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1 Star Rating
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.
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Warren Weatherford II @warren.weatherford
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4 Star Rating
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.
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