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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.
I have the capital one 360 checking. My husband like to do everything online as much as possible, this checking account has been perfect for us. I own a home business where people write me checks frequently it is so wonderful to be able to do the mobile deposit, compared to other mobile checking deposit systems I've used, this one has been the best overall. I would recommend this to a friend for sure!
I had a Target credit card a few years ago. I liked it a lot. If you shop at target a lot like I do it is great. The 5% off purchases is great. The extra 30 days for returns is helpful, but my favorite part is the free shipping from online purchases. Online shopping is so easy and convenient. Maybe it's just me but I always felt kinda special checking out at Target with my card. It kind of felt like being part of a club, and when you are checking out before you pay and the cashier asks if you want to sign up I enjoyed saying "Yep! I've got one!"The only problem was a personal one in which I used the card too much and got myself into a bit of trouble with debt, and had to cancel the card. But overall I think it's a great card.
In shopping for another credit card I would not choose this one. Currently I have the Capital One Quicksilver card which I love. I enjoy getting straight cash back on all purchases that can be used whenever and wherever I want, rather than a confusing point system like the sapphire card. I also do not like that there is a $95 dollar fee after the first year. After reviewing this card it will most likely not be the one that I choose.