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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.

$10

Welcome offer

Up to 3%

Cash back

$0

Annual fee

25.49%

Purchase APR (fixed)

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

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Details

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
Rates & feesrates & fees

Expert review

Steven Dashiell

Review by


Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

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 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.

Card benefits

  • 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.

What to watch out for

  • 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.

How to apply for the Belk Rewards Mastercard®

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

  1. Go to www.belk.com.
  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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