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Belk Rewards Mastercard® review

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Save up to 20% at this fashion retailer.

  • Get this card if you’re a frequent Belk customer and want rewards on Belk purchases.
  • Pick something else if you want a rewards card with flexible earning options.
  • Apply with a fair credit score of 580 or higher.


Welcome offer

Up to 3%

Cash back


Annual fee


Purchase APR (fixed)

Belk Rewards Mastercard®
Earn 3% cash back at Belk, 2% back on groceries and gas and 1% on all other purchases.

Need help? Talk to a customer specialist



Product NameBelk Rewards Mastercard®
Card typeStore card
Annual fee$0
Purchase APR25.49% fixed
Balance transfer APRN/A
Cash advance rate29.99% fixed
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Late payment feeUp to $39

Expert review

Steven Dashiell

Review by

Steven Dashiell is a credit cards staff writer at He's worked on over 150 Finder articles to help readers embrace and maximize credit cards. Steven has nearly a decade of research and reporting experience, and has also been a reporter and editor for several healthcare newsletters.

Expert 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 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.

Consider a virtual card for store payments

QuadPay Visa Card

  • No annual fee.
  • Split your purchases into four installments over six weeks interest-free
  • Pay for purchases at any online retailer that accepts Visa.
  • Pay at any physical store that accepts mobile wallet payments.
  • As low as $1 convenience fee per payment with a linked card ($4 per order).
  • Get access to your virtual card after signing up for the QuadPay app.
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How to apply for the Belk Rewards Mastercard®

You can apply for the Belk Rewards Mastercard® through the Belk website.

  1. Go to
  2. Click on Belk rewards at the top of the page.
  3. Select Apply for a new card from the drop-down menu.
  4. Click Continue to Belk credit on the pop-up page.
  5. Fill out your personal information and click Continue.

What credit score do I need?

Like many store credit cards, you’re likely to qualify for this card with a fair credit score of 580 or higher.

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Bottom line

If you’re a diehard Belk fan, this rewards card can help you earn decent rewards on your purchases, with room for rewards growth depending on how much you spend at Belk. But the niche nature of this retailer and smaller earning rate compared to other big store cards leaves this credit card lacking.

Compare your store credit card options to find one that best fits your spending needs.

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