The Belk credit card is a great option if you’re a frequent Belk’s shopper. Like most store credit cards, it has a relatively high APR at 25.49 percent. Also like most store credit cards, it has a tiered reward system. The more you spend on the card, the higher your rewards.
Belk credit cards are issued by Synchrony Bank. You can qualify for a Belk credit card if you have a fair or better credit score. Fair credit scores start at about 640.
Belk Rewards Cards Types
| CARDHOLDER BENEFITS | Belk Rewards + Insider Credit Card |
Belk Premier Rewards Card |
Belk Elite Rewards Card |
|---|---|---|---|
| Rewards Program |
|
|
|
| Every 1,000 Points = $10 Belk Reward Dollars with No Brand Exclusions | ✔ | ✔ | ✔ |
| 20 Exclusive Savings Events Each Year | ✔ | ✔ | ✔ |
| Receipt-Free Returns | ✔ | ✔ | ✔ |
| Bonus Rewards Events | ✔ | ✔ | ✔ |
| Cardholder Savings Day of the Month | ✔ | ✔ | ✔ |
| Early Access to In-Store Promotions and Events | ✔ | ✔ | ✔ |
| Birthday Coupon | ✗ | ✔ | ✔ |
| Flexible Payments with the Belk Rewards Flex Pay Plan | ✗ | ✔ | ✔ |
| Invitation Only Premier Savings Days | ✗ | ✔ | ✔ |
| Free Shipping In Store and at Belk.com | ✗ | ✗ | ✔ |
| Quarterly 20% Off Pick Your Own Sale Day | ✗ | ✗ | ✔ |
| 4 Invitation Only Elite Savings Days | ✗ | ✗ | ✔ |
Belk Rewards Mastercard® Card Rates and Fees
| Annual fee | APR for Purchases | APR for Cash Advances | Cash Advance Transaction Fees | Foreign Transaction Fee |
|---|---|---|---|---|
| $0 | 25.49% | 29.99% | Either $10 or 5% of the amount of each cash advance, whichever is greater. | 3% of each purchase transaction in US dollars. |
Belk Rewards Card
| Annual fee | APR for Purchases | APR for Cash Advances | Cash Advance Transaction Fees | Foreign Transaction Fee |
|---|---|---|---|---|
| $0 | 25.49% | Not Applicable | Not Applicable | Not Applicable |
How to Apply For Belk Credit Card Online
- To apply for Belk credit card, start by visiting their website at www.Belk.com.
- Scroll to the bottom of the page and click on “Apply for a Belk Rewards credit card.”
https://www.belk.com/
- On the next page, enter your personal information. This includes your first and last name, your mailing address, your phone number, and your email address.
- You will also need to provide your Social Security number, your date of birth, and your annual net income.
- Click “Continue.” You will either be approved, declined, or they may ask for additional information.
- After you are approved, go to www.BelkCredit.com to redeem your Belk rewards, manage your credit account and make purchases.
Other Ways to Apply For Belk Credit Card
If you don’t want to complete a Belk credit card application online, you can apply in person at a Belk department store. Talk to an associate and let them know that you would like to apply for a card. You will need to provide a photo identification.
apply.syf.com/eapply
*Subject to credit approval. Exclusions apply. See store for details. 1000 Bonus Belk Reward Points will be applied to your account (equaling $10 Belk Reward Dollars) and you will receive the $10 Belk Reward Dollars in the first billing statement when a purchase is made the day account is opened. Only one $10 Belk Reward Dollar offer per account. See Belk Rewards Program Terms in application for details on earning and redeeming Rewards.
The Belk Rewards Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Belk Credit Card Customer Service
If you have any issues regarding your Belk credit card, you can call their customer service at 1-800-669-65-50. They are available from 8:30 a.m. to 7 p.m. EST Monday through Saturday.
back to menu ↑Belk Credit Card FAQs
What are the benefits of a Belk credit card?
You earn cash back based on how much you spend each year. If you spend less than $300 per year on your Belk card, you get 3 percent back. If you spend $299.99 to $1000, you get 4 percent back, and if you spend $1000 or more you get 5 percent back. You can also qualify for free shipping and 20 percent off days if you reach the highest tier.
What is the APR for a Belk credit card?
The APR for purchases with a Belk credit card is 25.49 percent.
Is there an annual fee?
There is no annual fee for the Belk credit card.
Is there a late fee?
There is a late fee of either $27 or $40 depending on your payment history with Belk.
Is my information shared?
Your information is shared with affiliate businesses unless you opt out. You can call 1-866-560-4457 to opt out of having your information shared.
I applied for bell card on line why it didn’t go thru