Belk Credit Card Mastercard Reviews
Belk Credit Card Mastercard Reviews

In a Nutshell


A retail rewards card designed to suit even Belk’s top spenders is the Belk Credit Card Rewards Mastercard®. It provides a rewards program that can be upgraded based on the cardholder’s spending patterns, with bonus points for regular expenditures like groceries and petrol.

Ideal for those who:

  • Often purchase at Belk locations and can upgrade their cards to get better rewards
  • Would you want a retail card that gives you points for petrol and groceries as well?
  • Consider utilizing the exclusive offers and savings available to cardholders.

Review of the Belk Rewards Mastercard® Credit Card

The Belk Rewards Mastercard®, which should not be confused with the Belk Rewards Card that can only be used in stores, may be used almost everywhere to make purchases and accumulate points. You will get 2X points in grocery shops and petrol stations, while Belk purchases will account for the majority of the points received. You have the rewards card of a Belk shopper’s dreams when you combine this with 1X points on all other purchases and exclusive Belk savings.

Making a Belk Rewards Mastercard® application

It’s crucial to note that even if you apply for a Belk Mastercard, Belk may not actually issue you the card before we discuss the benefits. This is so that the same application may be used for both the Mastercard version and the store-only Belk Rewards Card. Only the Mastercard may be used outside of Belk shops, despite the fact that both cards offer the same benefits (including upgrades). As a result, that card provides the most versatility and value for your money. You won’t know which one you’ll get until you apply, which makes applying for this card a bit like playing Russian roulette. The general rule is that your chances of getting the card you desire increase with your credit history. Another option is to begin with a shop card and, via prudent use, move up to a Mastercard.


How to Earn Basic Belk Rewards

If the Mastercard version of this credit card should come your way, you’ll start accruing points right away. You don’t merely earn points on purchases from the connected retailer – in this example, 3 points per dollar, as is the case with other excellent retail credit cards – in order to use this card. With the Belk Mastercard, you can also get points for everyday purchases like groceries and petrol. Particularly at petrol stations and grocery stores, you may get two points for every dollar you spend. Service stations, bakeries, and supermarkets are included, but not wholesale merchants and warehouses. In addition to these exclusive cardholder benefits, you’ll earn 1X points on all other purchases:

  • 20 days of special discounts
  • Returns without a receipt necessary
  • Events where you can receive extra prizes
  • The monthly cardholder savings day
  • Early entry into new sales and retail events

Additionally, on the day your account opens, you are eligible for a number of sign-up incentives. This includes a 1,000 point welcome incentive for your first purchase (worth 10 Belk Dollars) and a 20% discount on the majority of Belk goods.


Upgrades for Belk Mastercard® Rewards

You may apply for a card upgrade after having your Belk credit card for around a year. Depending on your annual expenditure, Belk provides two upgrade tiers; however, this only takes into account retail purchases. (Take note that Belk can degrade your account when your yearly shopping patterns change, just as it can improve your rewards card.) The benefits you receive from the base card are enhanced with each level, starting with the reward rate:

Belk Rewards Card Level Is Required Belk Expenditure

4X points on the Belk Premier Rewards Card

  • $600 – $1,499

points for Belk Elite Rewards Card

  • $1,500+

With a few additional features, the Belk Premier Rewards Mastercard offers all the special advantages of the standard rewards card. The Belk Rewards Flex Pay Plan, a birthday voucher, and invitation-only premier savings days are all included. Similar to that, holders of the Belk Elite Rewards Mastercard also receive free shipping on Belk purchases, a sale day of your choosing with a 20% discount every three months, and four invite-only discount days. Your account must also be in good standing and you cannot be more than two payments past due—not that you would want to be—in order to be eligible for these improvements. Although upgrading your Belk Mastercard is quite simple, you should be careful not to spend more than you can afford. Due to the rather high APRs and late penalties associated with this card, whatever savings you may have accrued will be soon wiped away.

Using Your Belk Rewards

You’ll begin to automatically redeem your Belk Rewards credit card points for Belk Reward Dollars after you’ve accumulated a certain number of points. 10 Belk Reward Dollars are awarded for every 1,000 points earned, and they are always distributed in this increment of 10. Any unused points carry over to the following payment cycle. There is no overall limit to the number of points you may accrue, but you should be aware that they lose their validity after one year. They will be mailed to you in two to three billing cycles and are limited to 100 Belk Reward Dollars every billing cycle. You must shop with your Belk card in-store or online during the allotted time period, and then display the rewards when checking out. One of the nicest features of this method is that you may use your rewards in conjunction with other deals to get even more savings. You forfeit any unused portion of your Belk Reward Dollars if you don’t utilize the entire amount on your purchase.

Applying for the Belk Rewards Mastercard® Credit Card is recommended.

This card could be a no-brainer for you if you purchase at Belk frequently—and I mean frequently. You may receive prizes depending on your own spending patterns thanks to the tiered rewards system, and there are virtually endless additional reductions. You have access to at least 25 special discount days per month at the highest level. This implies that you almost always save money when you shop. However, this is probably not the ideal choice unless you are the biggest lover of Belk. If you fall behind on your payments, it contains punishingly high APRs and late penalties that can ruin your credit score. And it can be a risky game to play considering that this card encourages significant retail spending.