Belk Credit Card for USA

First, Belk credit card is issued from the Synchrony Bank with the partnership of Belk Stores. Second, Belk is owned by Sycamore Partners that is basically a departmental store company. Without a doubt, Belk have wide selection of fashion, apparel, accessories, shoes, cosmetics, housewares, jewelry, home furnishings and gifts. Products are made for the men, women and child. Target Market is middle class and upper middle class because products are lit bit costly. Undeniably, Belk have more than 300 stores in USA.

To Clarify, Belk’s credit card is basically a store card but with power of Master Card. All store cards in the market offer attractive rewards for their store buying. Surprisingly, Belk Credit Cards offer you 3% rewards for Belk buying, 2% rewards for gas and groceries buying and 1% reward for all other buying where Master Card is accepted. In any case, It is mandatory to redeem earned rewards with 12 months, otherwise got expire.

Now, Belk credit cards have three types, for getting 3% to 5% rewards; required spending is different for each card.

Card Name


Reward Rate

Belk Rewards Card



Belk Premium Rewards Card



Belk Elite Rewards Card

$1500 and plus



To conclude,  Belk Credit Card is co-branded and accepted anywhere Master Card is accepted, you can use it at ATM also for cash withdrawal. 

Requirement to apply Card

That is to say, If you meet following criteria than you are eligible for the card.

  1. Age of maturity that is 18 years or plus
  2. SSN
  3. Street address (PO address is not acceptable)
  4. Government issued photo ID

Perks and benefits at Belk Credit Card

Accordingly, user of Belk’s Credit Cards will get following perks, in addition to welcome bonus.

  • Free shipping at order of &998 and plus
  • Zero Fraud Liability
  • Warranty Converge
  • Purchase Protection
  • Theft Protection

In breif, you can earn 3 to 5% at Belk purchases subject to your spending. In this situation,  If your spending’s are from $0 to 599 you will earn 3% rewards bonus,  following this if your spending’s are $600 to 1499 you will earn rewards at the rate of 4%. Similarly, If your spending’s are $1500 or plus your rewards rate at Belk purchase will be 5%.

Certainly, you can earn 2% rewards at gas and groceries purchases.

Cardholder will get 1% reward for all purchases where Master Card is accepted. .

Welcome Bonus:

In any case, with sign up as a new member you will get 20% off at your first purchase plus $10 in Belk Rewards Dollar.

Annual Fee:

Most Importantly, this card has no annual fee.

Intro APR:

However, this card does not have Intro APR.

Regular APR:

Simultaneously, Regular APR at this card is 25.49% that is fixed.

Balance Transfer Fee:

As i have shown, This card does not have balance transfer facility.

Foreign Transaction Fee:

In addition, Foreign Transaction fee is 3%.

Credit Needed:

Meanwhile, to get this card you have need fair or good credit score history. Your score should be 650 or plus.

Frequently Asked Questions:

Can Belk's Credit Card be used anywhere?

In fact, Belk’s Credit Card is a Master credit card that can be used at anywhere Master Card is accepted. Without a doubt, You can- use it at other online places just like Amazon, eBay, Wal-Mart etc. Even, this card can be used at ATM for cash withdrawals.  

How to pay bill of the Belk Credit Card?

Undeniably, you can pay bill through the large network of Synchrony Bank Branches, Belk Stores or online using Belk store app. At this point, Belk accept all Visa, Master Card, American Express debit and credit cards.

How can I get credit card from Belk?

To sum up, you can apply credit card at Belk stores or you have also facility to apply at website

How much a Belk's Credit Card cost?

Obviously, Belk Credit Cards have no annual or monthly fee. Thus, It is a free card to create customer brand loyalty. Finally, special discounts and rewards are offered to credit card holder without any charges.   

Belk Credit Cards take how much time for approval?

Finally, for Belk Credit Cards, you needed just 10 minutes to apply. With apply it takes normally 10-14 business days to get approval and dispatch of physical card at your address.

Can I use Belk credit card virtually?

Absolutely, you can use Belk’s credit card virtually, Belk have an app that allow you payments through app. In addition, you can use it virtually at Belk’s stores also.

Can Belk Credit Cards affect credit score?

Summing up, Belk’s Credit Card affects your credit score as it is full fledge credit card. Consequently, If you don’t make two billing payments, it will respond to credit bureaus that will damage your credit score. Additionally you will be fined as late payment charges with charge of high rate interest.

How to get cancel my Belk's credit card?

In addition cancellation of Belk credit cards, procedure is very simple. Just make a call to helpline with a request of cancellation of the card. Soon, your card will be cancelled ta spot after verification.

Which bank issue Belk's Credit Card?

Definitely, Belk’s Credit Card that is basically a retailer or store card is issued by Synchrony Bank.  Hence card issuer helps you for bill payment and also support card related issues.

Can I use Belk credit card at Wal-Mart?

Of course, Belk’s Credit Cards is a co-branded Master credit card that can be used anywhere. Surprisingly, You can use it at other online places just like Amazon, eBay, Wal-Mart etc. Now, this card can be used at ATM for cash withdrawals. 

Does Belk Credit Card have an App?

Naturally, just like other credit cards in the market, Belk Credit Card has an App for its user.  As has been noted, this App help’s in buying, rewards redemption, checking account status and for payment of bills.