Review: Belk Credit Card

Belk department stores offer a credit card that not only promises the possibility of instant approval, but also gives you a nice discount if you get approved and start using your new credit card on the same day.

Let’s talk about that upfront offer before we get into the nitty-gritty details on this card. If you apply for the Belk credit card and are instantly approved, you will get 20% off the purchases you make with the card today (except 15% off on shoes and home items). In addition, you will get a quick 400 points in the Belk Rewards program, which just so happens to be the exact amount needed to get a $10 Belk Rewards card that you can use on a future purchase.


Outside of the cool bonuses, you will earn 1 point for every dollar in purchases, and, as mentioned above, when you accrue 400 points, you’ll get a $10 rewards card toward a future Belk purchase.

If you are a REALLY active Belk shopper, you can also get upgraded to a better Belk card that has the same rewards but other discounts and perks. Spending at least $600 in a year gets you to the Premier level, which gets you more frequent discount offers. However, the best stuff is reserved for those who spend $1500 or more. You’ll get free shipping on your orders, a 20%-off day once per quarter on the day of your choosing, a 20%-off birthday discount day, and more.

Now, most retail credit cards that offer instant approval usually also have a high interest rate, and the Belk card is no exception. You’ll pay a 24.49% interest rate on any purchases that you don’t pay off in full, which is super high. So, pay those bills! Don’t buy things you can’t afford!

The Belk credit card is issued by Synchrony Bank.

Other instant approval categories: Credit Cards You Can Use Today, Store Credit Cards, Fair Credit Credit Cards