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Belk Rewards Mastercard® review

Save up to 20% at this fashion retailer.

    Using this standard store card, you’ll get a discount and rewards on Belk and purchases upon account opening. Belk stores are based in Texas, so cardholders outside the state will have to use the online store.

  • 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.
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Welcome offer

Up to 3%

Cash back


Annual fee


Purchase APR (fixed)


Annual fee$0
Welcome offer$10 in Belk Reward dollars when you make a purchase the day you open your account
Rewards3% cash back at Belk, 2% back on groceries and gas and 1% on all other purchases
Purchase APR25.49% fixed
Balance transfer APRN/A
Minimum Credit Score580
IssuerStore card

Review by

Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

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.

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.

Belk Rewards Mastercard® benefits

  • Rewards. Earn 3% back on Belk and 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.

Belk Rewards Mastercard® drawbacks

  • 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.

Compare store credit cards

If this card isn’t right for you, compare other store credit cards. Choose a card that corresponds with stores where you make the most purchases and has a rewards rate and other perks you’ll need.

Name Product Filter values Rewards Purchase APR Annual fee
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Sam's Club® Mastercard®
Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
14.9% to 22.9% variable
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
Merit Platinum
Apply with no credit or bad credit, for use on the Horizon Outlet website.

Compare up to 4 providers

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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