Your Fast Way to Apply for Belk Credit Card

The Belk credit card is a great option if you’re a frequent Belk’s shopper. Like most store credit cards, it has a relatively high APR at 25.49 percent. Also like most store credit cards, it has a tiered reward system. The more you spend on the card, the higher your rewards.

Belk credit cards are issued by Synchrony Bank. You can qualify for a Belk credit card if you have a fair or better credit score. Fair credit scores start at about 640.

Belk Rewards Cards Types

CARDHOLDER BENEFITS Belk Rewards + Insider Credit Card Belk Premier Rewards Card Belk Elite Rewards Card
Rewards Program
  • Spend $0-$299.99
    per year at Belk
  • Earn 3% Back in Rewards
    at Belk or
    (4 Points per $1 spent)
  • Spend $300-$999.99 per year at Belk
  • Earn 4% Back in Rewards¹at Belk or (5 Points per $1 spent)
  • Spend $1000+per year at Belk
  • Earn 5% Back in Rewards at Belk or (7 Points per $1 spent)
Every 1,000 Points = $10 Belk Reward Dollars with No Brand Exclusions
20 Exclusive Savings Events Each Year
Receipt-Free Returns
Bonus Rewards Events
Cardholder Savings Day of the Month
Early Access to In-Store Promotions and Events
Birthday Coupon
Flexible Payments with the Belk Rewards Flex Pay Plan
Invitation Only Premier Savings Days
Free Shipping In Store and at
Quarterly 20% Off Pick Your Own Sale Day
4 Invitation Only Elite Savings Days

Belk Rewards Mastercard® Card Rates and Fees

Annual fee APR for Purchases APR for Cash Advances Cash Advance Transaction Fees Foreign Transaction Fee
$0 25.49% 29.99% Either $10 or 5% of the amount of each cash advance, whichever is greater. 3% of each purchase transaction in US dollars.

Belk Rewards Card

Annual fee APR for Purchases APR for Cash Advances Cash Advance Transaction Fees Foreign Transaction Fee
$0 25.49% Not Applicable Not Applicable Not Applicable
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How to Apply For Belk Credit Card Online

  1. To apply for Belk credit card, start by visiting their website at
  2. Scroll to the bottom of the page and click on “Apply for a Belk Rewards credit card.”

  3. On the next page, enter your personal information. This includes your first and last name, your mailing address, your phone number, and your email address.
  4. You will also need to provide your Social Security number, your date of birth, and your annual net income.
  5. Click “Continue.” You will either be approved, declined, or they may ask for additional information.
  6. After you are approved, go to to redeem your Belk rewards, manage your credit account and make purchases.
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Other Ways to Apply For Belk Credit Card

If you don’t want to complete a Belk credit card application online, you can apply in person at a Belk department store. Talk to an associate and let them know that you would like to apply for a card. You will need to provide a photo identification.

*Subject to credit approval. Exclusions apply. See store for details. 1000 Bonus Belk Reward Points will be applied to your account (equaling $10 Belk Reward Dollars) and you will receive the $10 Belk Reward Dollars in the first billing statement when a purchase is made the day account is opened. Only one $10 Belk Reward Dollar offer per account. See Belk Rewards Program Terms in application for details on earning and redeeming Rewards.

The Belk Rewards Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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Belk Credit Card Customer Service

If you have any issues regarding your Belk credit card, you can call their customer service at 1-800-669-65-50. They are available from 8:30 a.m. to 7 p.m. EST Monday through Saturday.

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Belk Credit Card FAQs

What are the benefits of a Belk credit card?
You earn cash back based on how much you spend each year. If you spend less than $300 per year on your Belk card, you get 3 percent back. If you spend $299.99 to $1000, you get 4 percent back, and if you spend $1000 or more you get 5 percent back. You can also qualify for free shipping and 20 percent off days if you reach the highest tier.

What is the APR for a Belk credit card?
The APR for purchases with a Belk credit card is 25.49 percent.

Is there an annual fee?
There is no annual fee for the Belk credit card.

Is there a late fee?
There is a late fee of either $27 or $40 depending on your payment history with Belk.

Is my information shared?
Your information is shared with affiliate businesses unless you opt out. You can call 1-866-560-4457 to opt out of having your information shared.

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Belk Credit Card Reviews

Overall, consumers seem happy with their Belk credit cards. They like the frequent rewards you get with Belk and some have seen regular credit line increases. Reviewers do say that the card is best for consumers who frequently shop at Belk. Some also had their credit limit lowered unexpectedly. If you apply for Belk credit card, make sure to keep a close eye on your credit limit.

Rewards Program
APR for Purchases
User Rating: 5 (3 votes)
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Mary wiley
Mary wiley
5 years ago

I applied for bell card on line why it didn’t go thru

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