†Subject to credit approval. Exclusions apply. Belk reserves the right to change the exclusions without notice. Offer applies to first day's purchases made on a new account opened. A 20% off coupon is required and will be provided upon credit approval. Applicants who do not receive a credit decision at the time of their application, but are later approved, will receive a 20% off coupon in their credit card package. 1,000 Bonus Belk Reward Points will be applied to your account (equaling $10 Bonus Belk Reward Dollars) when a purchase is made the day the account is opened. The $10 Belk Reward Dollars will be issued and will be made available digitally through your Belk Rewards+ account or in-store at the register within 10 days of opening your account. Only one $10 Bonus Belk Reward Dollars offer per account. See the Belk Rewards+ Program Terms for details on earning and redeeming Rewards. 20% off offer is valid on Belk Rewards+ credit card purchases made in store & online. One offer per cardholder. Not valid towards beauty purchase with purchase offers, fine jewelry monograms, service plans and trunk shows, gift cards, leased depts., phone orders, prior purchases, salon services, shipping, video games and gaming systems, Belk Marketplace, Chanel, What Goes Around Comes Around luxury vintage handbags, special orders, taxes or items shipped directly from vendors on belk.com.
*If you apply, are approved, and choose to accept your offer, your credit score may be impacted.
22Purchases subject to credit approval. Exclusions apply. To qualify for or maintain Premier or Elite status, you must spend $300 or $1,000, respectively, in a calendar year at Belk or belk.com on your Belk Rewards+ credit card. See the Belk Rewards+ Program Terms for details on earning and redeeming Rewards.
3Belk Rewards+ credit cardholders qualify for Free Standard Shipping when the total amount of their purchase is charged to their Belk Rewards+ credit card. Offer available every day for Elite cardholders, 4x per year for Premier cardholders, and 2x per year for Insider cardholders. Does not include gift box charges, purchase of gift cards, or purchases using any other partial form of payment (including a Belk Gift Card). Offer applies to Standard Shipping to one location. Offer does not apply to returns. Cardholder can return any item to their nearest Belk store free of charge.
4Fulfillment contingent on having primary cardholder's accurate birth date on file at least 90 days prior to their birthday month. See coupon for applicable restrictions.
5See the Credit Card Agreement for applicable terms.
6Not available on all devices. For a list of compatible devices, visit apple.com/apple-pay. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc., Google Pay and the Google Pay logo are trademarks of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co,. LTD.
7Existing cardholders should see their credit card agreement for their applicable terms. New Accounts as of 6/27/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $1. Belk Mastercard: Cash APR 36.49% and 5% Fee ($10 min). Foreign Trans Fee 3%. Purchases subject to credit approval.
The Contactless Indicator Mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
The Belk Rewards+ Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go, and the circles design are registered trademarks of Mastercard International Incorporated.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc.
Google Pay and the Google Pay Logo are trademarks of Google LLC.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Belk Rewards+ FAQs
Belk Rewards+ is our updated loyalty program for Belk Rewards+ cardholders. Now cardholders can earn points on every eligible purchase and enjoy benefits that include special savings and rewards, faster than before! Once a customer reaches 500 points the points are converted to a $5 Belk Reward Dollar (BRD).
You can apply for the card at a Belk store with an associate at checkout or online.
The new Belk Rewards+ credit card program is all about new and easier qualification criteria, higher earn rates, and quicker redemption.
Belk Rewards+ credit cardholders now earn more on purchases at Belk and belk.com than before. Belk Rewards+ Insiders now earn 4 points per dollar spent, Premier cardholders earn 5 points per dollar spent, and Elite cardholders earn 7 points per dollar spent. Prior to September 2022, Belk Rewards+ credit cardholders earned 3 points, Premiers earned 4 points and Elites earned 5 points per dollar spent.
Redemption is now quicker, reaching 500 points earned generates $5 in Belk Reward Dollars. Prior to September 2022, 1,000 points earned generated $10 Belk Reward Dollars.
We will use your birthday to send you Bonus Belk Reward Dollars to use in the month of your birthday. There are almost no brand exclusions with your Belk Reward Dollars. It’s our present to you!
Cardholders will be eligible to receive a Birthday Reward in the form of Bonus Belk Reward Dollars once a year on the first day of your birthday month. To be eligible to receive the annual Birthday Rewards benefit, you must update your profile with your birth month and day, a valid email address for delivery, and meet overall qualification criteria for good standing within the Program. The expiration date for the Birthday Belk Reward Dollars will be printed on the Belk Reward Dollars that are mailed to Cardholders or on Belk Reward Dollars provided digitally.
Yes, outside of receiving points for eligible purchases, Belk Rewards+ cardholders are eligible for VIP savings events throughout the year.
Tier progression is based on annual spend on your Belk Rewards+ credit card, but you will only progress up tiers based on spend with your Belk Rewards+ credit card on eligible purchases made at Belk and belk.com.
Every time you shop at Belk in-store, online, or on the Belk mobile app, please use your Belk Rewards+ credit card at checkout. When shopping online at belk.com make sure you’re logged in when you make a purchase with your Belk Rewards+ credit card and your points will be processed to your member account when your items have shipped. You will also earn points outside of Belk when you use your Belk Rewards+ Mastercard for purchases everywhere Mastercard is accepted. Points can be seen once the transaction is processed and will be available within approximately 7 days.
When shopping in-store at Belk, points will be available ~7 days after your in-store purchase. For Belk.com and mobile app orders, your points will be available ~7 days after the order ships.
Non-eligible purchases would include gift cards, non-merchandise and leased departments. Purchases with PayPal, buy now, pay later and special financing are also excluded.
We apologize for any frustration you may be having with your Belk Rewards+ program. If you feel that you have missing rewards, please contact Synchrony Customer service at 1-800-669-6550.
It is possible for your points balance to be negative if you make returns after the points from your original transaction were converted into Belk Reward Dollars. In this case, any points earned will be applied to the negative balance first.
All Belk Rewards+ Points expire after an account has had no qualifying purchases for twelve (12) consecutive months.
Belk Reward Dollars are reward certificates earned by using your Belk Rewards+ credit card for purchases. You will earn points with every eligible purchase at Belk, belk.com or anywhere Mastercard is accepted with your Belk Rewards+ Mastercard. Earned BRDs (Belk Reward Dollars) are issued in $5 increments and can be found in the Belk App, your belk.com account, at POS or in your monthly billing statement. Promotional BRDs are periodically emailed to cardholders as a $10 certificate. Each $5 or $10 BRD certificate includes a 15-digit number that can be applied toward your next Belk purchase at store checkout, belk.com or App checkout.
For every dollar in eligible net purchases made with your Belk Rewards+ credit card, you can earn 4, 5 or 7 points per dollar spent on Belk purchases depending on your eligible tier. Belk Rewards+ Mastercard® cardholders can also earn 2 points per dollar spent on gas and grocery purchases and 1 point per dollar spent on all other purchases everywhere else Mastercard is accepted. Each time you earn 500 points you will receive $5 Belk Reward Dollars.
Belk Reward Dollars can be redeemed in Belk stores, online at belk.com or in the Belk App towards purchases made with your Belk Rewards+ credit card. To redeem in store, have an associate either scan your QR Code (in your Belk App), lookup your account using your Belk Rewards+ card or hand them your Belk Reward Dollars. To redeem online or in the Belk App, apply the Belk Reward Dollars in your shopping bag or at checkout. Belk Reward Dollars may be redeemed only one time (based on certificate number), even if delivered in multiple formats.
Yes. Belk Reward Dollars can be used on top of coupons. You may also use multiple Belk Reward Dollars toward your Belk purchase.
Each time you earn 500 Reward Points, you will receive $5 in Belk Reward Dollars. The Belk Reward Dollars are available for use within ~7 days of your in-store purchase or belk.com purchase and are valid for 60 days. Promotional Belk Reward Dollars may be sent for events like a cardholder's Birthday, Anniversary or other promotional events. The promotional Belk Reward Dollars will be sent to you via Mail or Email and are valid only for the designated timeframe. Please see terms associated with the promotional events. Promotional Belk Reward Dollars are not eligible to be reissued.
You will receive the points back in your Belk Rewards+ loyalty account.
If an online order has been cancelled and you used earned Belk Reward Dollars, those Belk Reward Dollars will be reinstated on the account immediately after the order is cancelled. You should be able to see the BRDs within your Belk Rewards+ account online as well as be able to use them at any Belk store or online at belk.com.
You can check your points balances and available Belk Reward Dollars in the following ways:
Sign into your Belk Rewards+ account at Belk.com or on the Belk App
Ask any sales associate whenever you visit our stores
You can redeem up to 40 Belk Reward Dollar certificates per transaction.
