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.
|Authorized User Fee|
|Foreign Transaction Fee|
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 belk.com
- 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.
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.
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.