Belk Rewards+ Credit Card: A Complete Guide for 2025 Shoppers

If you shop at Belk regularly, the Belk Rewards+ Credit Card might be a smart way to earn rewards and save more with every purchase. Available as both a store-only card and a Mastercard, it’s designed to reward loyal customers through a tiered program, exclusive perks, and seasonal savings.

️ Card Options

1. Belk Rewards+ Card

• Usable only at Belk stores and Belk.com
• Ideal for those who shop Belk frequently and want to earn the highest tier of benefits

2. Belk Rewards+ Mastercard

• Accepted anywhere Mastercard is
• Earn rewards at Belk and beyond (gas, groceries, everyday purchases)

Both are issued by Synchrony Bank and have no annual fee.

Tiered Rewards Program

Your tier depends on how much you spend at Belk annually:

• 500 points = $5 Belk Reward Dollar (issued automatically, expires in 90 days)
• Mastercard holders also earn:
  • 2 points per $1 on gas & groceries
  • 1 point per $1 on all other purchases

Extra Cardholder Perks

• $10 Birthday Reward every year
• Exclusive Savings Events throughout the year
• Flex Pay Plan for Premier & Elite members to spread out larger purchases
• Elite-only Savings Days for top-tier customers

How to Apply

You can apply for the Belk Rewards+ Credit Card:

• Online via Synchrony Bank’s secure application portal
• In-store at any Belk location

Requirements include:

• U.S. mailing address
• Social Security number
• Income information

Decisions are typically provided within minutes, and cards arrive in 7–10 business days if approved.

⚠️ Things to Consider

• High APR: This is a retail card, so interest rates are higher than average. Try to pay in full each month.
• Short Expiration: Reward Dollars expire after 90 days—redeem them quickly.
• Limited Use: If you don’t shop often at Belk, you may benefit more from a general cash-back or travel card.

✅ Is It Right for You?

This card is a good fit if you:

• Shop at Belk often and want to earn points and perks
• Want to earn bonus points on gas and groceries with the Mastercard version
• Can pay off your balance in full each month

You may want to skip it if you:

• Rarely shop at Belk
• Prefer more flexible rewards (e.g., cash back, airline miles)
• Tend to carry a balance month to month

Final Thoughts

The Belk Rewards+ Credit Card is one of the better department store cards if you’re already a Belk shopper. The tiered rewards, no annual fee, and birthday perks give it strong appeal. Just make sure to redeem your Reward Dollars before they expire, and always watch the interest rate.