Full Review

The Belk Rewards Mastercard® is a simple store credit card that offers almost everything you’d expect from a standard store card. You’ll enjoy up to 20% off on purchases the day you open your card account, 3% back on Belk and Belk.com purchases, 2% back on eligible gas and grocery purchases and 1% back everywhere else, and a welcome offer of points after you make your first Belk purchase with your card.

Pretty standard stuff as far as store cards go, though the initial discount for opening your account offers some interesting opportunities for big savings. The biggest downside to this card is the brand and mediocre earning rate.

Belk isn’t exactly the largest retailer out there (my attempts at finding a local store seemed to place most of them in Texas). That means for most consumers, the only option to use this card will be through the Belk website.

But at a rather average 3% earning rate, there are other store cards you can use for online purchases that offer better earning potential, such as the Target REDcard™ or Walmart’s latest offering. And of course, you’ll actually be able to find those stores at your local shopping center.

Details of pros

Rewards

Earn 3% back on Belk and Belk.com purchases, 2% back on gas and groceries and 1% back on any other purchases you make.

Signup bonus

You’ll enjoy up to 25% off purchases made the same day you open your account. You’ll also receive a $10 credit to your Belk card account.

Intro APR period on balance transfers.

Use a 0% intro APR on balance transfers for 12 months following your account opening. After that, a variable APR of 13.24% to 26.24% applies.

Belk benefits

Belk Rewards cardholders can enjoy a variety of store perks when they use their card, including receipt-free returns, access to special sales events, bonus reward events and special savings days each month.

Details of cons

High APR

The Belk Rewards card carries a rather high fixed APR of 25.49%.

Limited store availability

Belk store locations are few and far between. They are located only in Texas as of this writing.


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Belk Rewards Mastercard® Review

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The Rewards of Belk Rewards Mastercard®
RewardsSave 20% all day when you open an account.Earn 3 Points per $1 spent (3% Back in Rewards) at Belk or Belk.com.Earn 2 Points per $1 spent (2% Back in Rewards) on grocery and fuel purchases.Earn 1 Point per $1 spent (1% Back in Rewards) on all other purchases everywhere Mastercard is accepted.E

How to Get the Most Out of Belk Rewards Mastercard®
Once you collect enough points with your Belk Rewards credit card, you’ll start to automatically redeem them for Belk Reward Dollars. Every 1,000 points earned is equal to 10 Belk Reward Dollars, and they’re always issued in this increment of 10. Any leftover points transfer over to the next bil

Belk Rewards Mastercard® Payment
Pay onlineIn order to pay your Belk Rewards Card bill online, you will need to register with www.belkcredit.com. After registration, you will be able to access the "Pay Online" option through www.belkcredit.com/payyourbill. 

How to Apply For Belk Rewards Mastercard®
Through the Belk websiteGo to www.belk.com.Click on Belk rewards at the top of the page.Select Apply for a new card from the drop-down menu.Click Continue to Belk credit on the pop-up page.Fill out your personal information and click Continue.

Belk Rewards Mastercard®
The Belk Rewards Mastercard® is a retail rewards card built to accommodate even Belk’s biggest spenders. It offers an upgradeable rewards system based on the cardholder’s spending habits, with extra points for everyday purchases like gas and groceries.
Belk Rewards Mastercard®