The Easiest Way to Get a Belks Credit Card
If you shop at Belk frequently, the Belk credit card is an excellent alternative. It has a rather high APR of 25.49 percent, like other shop credit cards. It also includes a tiered reward structure, similar to other retail credit cards. The greater your earnings, the more you spend on the card.
Synchrony Bank issues belks credit card. If you have a fair or better credit score, you may be eligible for a belks credit card. Credit scores that are considered fair start at around 640.
Rates and Fees for the Belk Rewards Mastercard® Card
Belk Rewards Card
How to Apply for a Belk Credit Card Through the Internet
- Begin your application for a Belk credit card by going to www.BelkCredit.com.
- To apply for a Belk Rewards credit card, scroll to the bottom of the page and select “Apply for a Belk Rewards credit card.”
- Fill in your personal information on the following page. Your first and last names, postal address, phone number, and email address are all included.
- In addition, you must supply your Social Security number, date of birth, and yearly net income.
- “Continue” should be selected. You’ll either be accepted or denied, or they’ll ask for further information.
- Go to www.BelkCredit.com after you’ve been accepted to redeem your Belk points, manage your credit account, and make purchases.
Getting Started with Belk Rewards
If you get the Mastercard version of this credit card, you’ll be ready to go when it comes to collecting points right away. You don’t merely earn points on purchases from the connected retailer – in this example, 3 points per dollar – as you do with other fantastic retail credit cards. You may also earn points on petrol, groceries, and other everyday purchases with the Belk Mastercard. May get 2 points each dollar spent at petrol stations and supermarket stores, in instance. Service stations, bakeries, and supermarkets are included, but warehouses and wholesale businesses are not. In addition to these special cardholder benefits, you’ll earn 1X points on all other transactions.
- 20 days of special discounts
- Returns that do not need a receipt
- Bonus-earning opportunities are available at some events.
- The first day of the month is a savings day for cardholders.
- Get first dibs on new deals and in-store events.
In addition, on the day your account is activated, you are eligible for specific sign-up benefits. This includes 1,000 bonus points (worth 10 Belk Dollars) for your first purchase, as well as 20% off most Belk products.
How to Make the Most of Your Belk Rewards?
Once you’ve accumulated enough points with your Belk Rewards credit card, you’ll be able to redeem them for Belks credit card Dollars automatically. Each 1,000 points gained equates to ten Belk Reward Dollars, which are always paid in ten-dollar increments. Any unused points will be carried over to the next payment cycle. There is no limit to how many points you may get in total, but they do expire one year after you obtain them. You can only earn 100 Belk Reward Dollars every billing cycle, and they’ll come in the mail in two to three billing cycles. You must shop with your Belks credit card in-store or online during the given window and display the rewards at checkout to receive them. One of the nicest aspects of this approach is that you may combine your incentives with other deals to save even more money. You will forfeit any leftover amount if you do not utilize the entire value of your Belk Reward Dollars on your transaction.
How to Use Your Belk Rewards
Once you’ve accumulated enough points on your Belk Rewards credit card, you’ll be able to redeem them for Belks credit cardDollars automatically. Each 1,000 points earned equals ten Belk Reward Dollars, which are always paid in tens. Any points that are left over from one billing period to the next are carried over to the following billing cycle. There is no limit to the number of points you may earn in total, but they do expire one year after you obtain them. You can only get 100 Belks credit card Reward Dollars every billing cycle, and they’ll come in the mail in two to three billing cycles. To redeem them, you must shop with your Belk card in-store or on belk.com within the specified time frame. One of the nicest aspects of this approach is that you may combine your incentives with other deals to save even more money. You will forfeit any leftover amount if you do not utilise the entire value of your Belk Reward Dollars on your transaction.
Upgrades to the Belk Mastercard® Rewards Program
After roughly a year with your Belks credit card, you’ll be eligible for a card upgrade. Belk provides two upgrade tiers based on your annual expenditure, but this only applies to in-store purchases. (It’s worth noting that, just as Belk may improve your rewards card, it can also degrade your account when your annual purchasing patterns change.) Starting with the reward rate, each level improves on the benefits you obtain with the basic card:
|Card Level||Belk Rewards||Required Belk Spending|
|Belk Premier Rewards Card||4X points||$600 – $1,499|
|Belk Elite Rewards Card||5X points||$1,500+|
The Belk Premier Rewards Mastercard has all of the perks of the standard rewards card, plus a few more. This includes a birthday voucher, access to invite-only premier savings days, and usage of the Belk Rewards Flex Pay Plan. The Belk Elite Rewards Mastercard offers all of this, as well as free delivery on Belk products, a 20% off sale day of your choice every quarter, and four invite-only savings days. To be eligible for these improvements, your account must be in good standing, with no more than two payments past due — not that you’d want to be that far behind. While it’s rather simple to obtain and maintain upgrades on your Belk Mastercard, you should avoid spending more than you need to.
Is the Belk Rewards Mastercard® Credit Card right for you?
If you buy at Belk frequently – and I mean frequently – this card could be a no-brainer for you. The tiered rewards system lets you earn points depending on your personal buying patterns, and the extra reductions are nearly endless. You may take advantage of at least 25 exceptional savings days throughout the month at the highest level. As a result, you save practically every time you go shopping. However, unless you’re a huge Belk fan, this is Belks credit card probably not the greatest choice. It features exorbitant APRs and late penalties that may wreak havoc on your credit score if you fall behind on payments. And, considering that this card encourages people to try new things, it’s a win-win situation.
Other Options for Getting a Belk Credit Card
If you choose not to apply for a Belk credit card online, you can do it in person at one of the Belk department stores. Inform an associate that you would want to apply for a card. You will be required to provide picture identification.
*Credit clearance is required. There are certain exceptions. Details may be found at the shop. When you make a purchase on the day your account is started, 1000 Bonus Belk Reward Points will be assigned to your account (equaling $10 Belk Reward Dollars), and you will get the $10 Belk Reward Dollars in your first billing statement. Per account, there is only one $10 Belk Reward Dollar promotion. For more information on earning and redeeming Rewards, see the Belk Rewards Program Terms in the app.
Synchrony Bank issues the Belk Rewards Mastercard under a licence from Mastercard International Incorporated. Mastercard is a registered brand, and Mastercard International Incorporated owns the circular design.
Customer Service at Belks credit card
You may contact Belk customer care at 1-800-669-65-50 if you have any questions or concerns about your credit card. They are accessible Monday through Saturday from 8:30 a.m. to 7 p.m. EST.
Frequently Asked Questions about Belk Credit Cards
Q1. What are the advantages of having a credit card from Belk?
Cashback is earned based on the amount of money you spend each year. You earn 3% back on your Belk card if you spend less than $600 each year. You earn 4% back if you spend between $600 and $1,499, and 5% back if you spend $1,500 or more. If you achieve the highest tier, you’ll be eligible for free delivery and 20% off days.
Q2. What is the annual percentage rate (APR) for a Belks credit card?
The annual percentage rate (APR) for Belk credit card transactions is 25.49 percent.
Q3 Is there a yearly fee?
The Belk credit card does not have an annual fee.
Q4 Is there a penalty for arriving late?
Depending on your payment history with Belk, you will be charged a late fee of $27 or $38.
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