While the Belk Rewards Card is the entry card for customers who spend up to $599 a year at Belk stores, you still receive the same benefits, including 20% ​​off all purchases on the day of account approval (household and shoes are only eligible for 15% off). You’ll also get $10 in Belk Reward Dollars (good for $10 in purchases) if you make a purchase on approval day, giving you a pretty solid first day as a cardholder.


Check Out The Benefits

  • 3% back on rewards at Belk or; 2% cash back on gas and grocery purchases; and 1% cashback wherever Mastercard is accepted (1,000 points = $10 in Belk Rewards dollars)
  • 20 exclusive discounts each year, including special days where you can take advantage of additional discounts (e.g. cardholders can save 25% on women’s or youth clothing with exclusives limited to Belk’s Girls’ Night Out)
  • Returns without a proof of purchase with your card
  • Day of the Month Savings and Rewards Bonus Events for Cardholders

The Belk Premier Rewards Card is available to customers who spend between $600 and $1,499 per year. Cardholders are entitled to the same benefits as those offered by the Belk Credit Card, plus these additional benefits:

  • 4% reward cashback on Belk or (compared to 3% on reward card)
  • a birthday voucher
  • Flexible payments with the Belk RewardsFlex payment plan
  • Access invitation-only Premier Savings Days where you can enjoy additional discounts on select products.

The Belk Elite Rewards credit card is Belk’s highest card, reserved for customers who spend at least $1,500 a year. The Belk Premier Rewards credit card offers the same benefits as the Belk Premier Rewards credit card, plus:

  • 5% cashback reward on Belk or (compared to 4% on Premier Rewards Card and 3% on Rewards Card)
  • Free in-store and delivery
  • Quarterly Choose Your Own Sale Day (20% off purchases any day you choose)
  • Access to 4 Elite Savings Days per year by invitation only