Belk Mastercard Calculator

Belk Rewards Calculator for the Belk Mastercard. Calculate total points and card value based on spend. Compare results against top rewards cards.
Updated 2020-11-24 By Robert Flowers III

The Belk Mastercard earns Belk Rewards Points on everyday purchases and rewards you greatly depending on how much you spend at Belk. Belk Rewards Points are worth 1 cents each, which means the Belk Mastercard offers a 3% to 5% return on your Belk spend which makes it a great option for anyone who frequently shopping with them.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Belk Mastercard has three bonus categories which is Belk, gas, and grocery. As you make purchases with Belk, the amount of rewards you earn with Belk will increase. There's no cap on the amount of Belk Rewards Points you can earn with this card.

  • 3%-5% Belk
    • Earn 3% back when you spend between $0 and $599 during the year on Belk purchases.
    • Earn 4% back and become a Belk Premier Rewards member when you spend between $600 and $1499.99 during the year on Belk purchases.
    • Earn 5% back and become a Belk Elite Rewards member when you spend more than $1,500 during the year on Belk purchases.
    • Once you earn obtain Belk Premier or Belk Elite, you'll have to hit the minimum amount of spend every year to maintain it.
  • 2% Gas Station
  • 2% Supermarket
  • 1% Everything Else

Perks & Benefits

The Belk Mastercard offers benefits based on your membership level which is earned by spending with Belk.

  • All Cardmembers
    • Exclusive Saving Events
    • Belk Reward Days
    • Receipt Free Returns
  • Belk Premier Members
    • Special Birthday Bonus
    • VIP Savings Days
    • Flexible Payments
  • Belk Elite Members
    • Free Shipping at
    • Pick-Your-Own Sale Days
    • Benefits of Belk Premier Members

Sign Up Bonus

The sign up bonus for the Belk Mastercard is 20% off almost everything for the entire first day of being approved. You'll also earn $10 bonus Belk Rewards Dollars when you make a purchase with the card the day you apply and are approved.


Annual Fee

The Belk Mastercard does not have an annual fee.

Authorized User Fee

There is no fee to add additional users to the Belk Mastercard. If you're looking to build up your Belk Rewards Points, I recommend adding family and friends as authorized users.

Foreign Transaction Fee

The foreign transaction fee for the Belk Mastercard is 3%. That makes this a bad option for spending outside of the United States.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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