Belk Rewards Mastercard® review
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.
Up to 3%
Purchase APR (fixed)
|Product Name||Belk Rewards Mastercard®|
|Card type||Store card|
|Purchase APR||25.49% fixed|
|Balance transfer APR||N/A|
|Cash advance rate||29.99% fixed|
|Cash advance fee||$10 or 5% of the cash advance amount, whichever is greater|
|Foreign transaction fee||3% of the transaction value|
|Interest free period||Up to 23 days|
|Late payment fee||Up to $39|
Steven Dashiell is a credit cards staff writer at finder.com. 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.
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.
- Go 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.
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.
Compare store credit cards
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.