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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Tori Hedden @tori_hedden
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4 Star Rating
I'm gratified by the fact that the maximum late fee is $35 for this card. My bank charges me way more than that for overdraft fees! The $10 in Belk Rewards for every 400 points earned ($400 spent) is a little low for me, personally. I'm not likely to remember to shop on those exclusive savings days, though. Online tracking seems pretty standard for similar cards, though it's great and a necessary feature. Shopping with the Belk Store Card is nice for discounts but I don’t think I’m able to accumulate enough points to redeem them for any of those rewards. No annual fee is a HUGE plus!
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Lisa Johns-Akers @lisa_johnsakers
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4 Star Rating
I love my Belk Store Card. From the moment I applied and opened the credit card, I have enjoyed several benefits. I got 15% off all purchases that very day. Although it does have a higher interest rate, it has a 23 day grace period- almost a whole month before adding any late fees. Also, this card has a $35.00 max on late payments; thus, allowing me the breathing room needed when I was unable to work for one week last month. The store offers special savings to its card holders on 35 special days throughout the year. I have no reward point limits, like I do with my other store credit cards, and they have a website that I can go to at any time to view my points. For every $100 that I spend, I get back $10, or for every 400 points. I do not know of any other store cards that give back that high of an amount. They also have double point days, where I can receive an additional 5% back. So, if you shop a lot at Belk, this is definitely the card for you. I have yet to find anything negative with this card.
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Erin Norton @erin.norton.90
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4 Star Rating
I like that there is a max late fee of $35. My Victoria Secret and Kohls cards will keep charging me late fees as long as I don't keep paying. This has been hard when I've gone through a rough patch. With the Belk card, I wouldn't be worried that I would eventually owe hundreds of dollars in late fees. I also like that the grace period is 23 days. If I am short on cash for that month, I get almost a whole month before a late fee is added. I do like the high interest rate. I feel that with an interest rate that high, they should offer some kind of introductory rate. My Victoria's Secret card offered a 0% rate for the first 6 months when you sign up. I really like the point system. Belk tends to be a store that is a little on the expensive side, so I think that if I had a card, I could save a lot of money when I shop there. I would also be able to track my rewards online so I know how much I would save when I shop. Also, I really like that I would get $10 to spend when I obtain 400 points. Belk has way more than just clothes so I could do my Christmas shopping here and get more money to spend later. Although Kohls offers $10 for every $50 that you spend, this is only a once in a while opportunity. There is also no annual fee, which is pretty common but still a plus.
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Princess Lula @princess.lula.71
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4 Star Rating
The Belk card is a pretty standard store credit card. It offers an additional 15% discount that can be used until closing in the day you opened the account. Points accruals for every dollar you spend that qualifies you for coupon discounts is a nice touch. The special card related sale days are pretty standard to other store cards as is the interest rate. Overall the Belk card is a pretty standard card with the added bonus of the point accruals. I have been very happy with this card and the perks it offers over the last few months I have had it.
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Krystal Marie @krystalm1
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3 Star Rating
The Belk Store Card is much better than other store cards. There is no annual fee with 23 days grace period. 15% off your first purchase, in my opinion, isn't a great attraction, but the reward points are great. There is no reward point limit like there is with other store cards and you can look up your rewards online. They Also have 35 days a year that are special saving days for card holders. My only real concern is the 24% interest rate, which is considerably high, but still in comparison with other store cards. I would rather stay with my bank credit card because of the significantly lower interest rates.
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Allen Marshall @mallen.aarshall
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4 Star Rating
I really like that the Belk store card has no annual fee, those things drive me insane. The late fee is nice and low but the grace period could stand to be a little longer, I’m used to thirty days with my other credit cards. The rewards program is not bad considering it is an extra bonus that gives you back 10 dollars for every 100 you spent. The annual interest it a little high, I would want something in the 15-18% range, like my kohl’s card. Overall this card is good; it could stand a few upgrades for it to be great but if you often shop at Belk than it could really benefit you. I love the special promotions you get throughout the year that give you sales when there otherwise wouldn’t be any and the initial 15% off everything that encouraged me to sign up in the first place.
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Corey Schain @thatswhatsup2001
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4 Star Rating
If you shop at Belk then this card is for you! My favorite part about this card was the 15% off they offered me on my first purchase. That is why I applied for the card and I couldn't be happier. They have 35 different days every year that have special savings when using the card. You also accumulate points as you spend, so the more you spend, the more you save. The APR is about average for store cards at around 24%, but if you're a fan of Belk I would seriously think about getting this card.
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Sam Haze @sam_haze_5682
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4 Star Rating
I originally signed up for this card to get the discount at the checkout and then planned on getting rid of it. After really looking I was surprised that it's not a bad card so I decided to keep it. The Belk Store credit card is a great credit card as far as store credit cards go. The interest is high like any other store card but unlike a lot of others it has a great point system. My khols card has the same rates but only offers discounts randomly. With the Belk card I get the discounts and build points overtime I shop. If you do a lot of shopping at Belks it's a great card to have just make sure you pay it off at the end of the month.
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Bela Kalinova @bela.kalinova
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5 Star Rating
I think the Belk Store Card is good for most people who shop here. There is a good rewards program and it is pretty efficient for most shoppers like myself. After you get 400 points, you will receive a ten dollar rewards certificate. I love this aspect of the card. In addition to the rewards, there is no max overlimit fee as well as no max penalty APR. The grace period is average at 23 days, but it works well for me. The one thing I'm not too fond of about this card is the thirty five dollar late fee.
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Ben Matthews @ben_matthews_948494
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3 Star Rating
The Belk Store Card is pretty decent for a store card. They offer $10 back for every 400 points earned, which if you do the math is 2.5% back on all purchases, or 5% back if you take advantage of double point days. Typically you see the best store cards top out at 5%, so it's nice that they do this, but I wish they'd offer 5% back all year round. Other than that there is no annual fee, but a really high APR. I would only advise using this card if you plan on paying it off every month.
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