BELK REWARDS: (1) Earn 1 point for every $1 in merchandise purchases at Belk and Belk.com with your Belk Rewards Card. Non-merchandise, leased departments gift cards, interest charges and fees do not qualify for points. For every 400 Reward Points earned, you will receive a $10 Belk Rewards Dollars. See Rewards Program Terms for additional information. (2) Offer applies to purchases made on a new account opened, subject to credit approval. A 15% off certificate is required and will be provided in store upon credit approval or in the mail with your new card. See certificate for applicable restrictions. (3) Not included on clearance merchandise at 50% or more off. Not valid on telephone orders. Gift box available for belk.com orders. (4) If you have a Belk Rewards Flex Pay Plan balance, you may avoid Interest Charges on the Belk Rewards Flex Pay Plan balance for a billing period if by the Payment Due Date you pay at least the total of the following: (i) the Belk Rewards Flex Pay Plan, (ii) the Minimum Payment on your regular balance, and (iii) any past due amounts. The Belk Rewards Flex Pay Plan Payment amount is the greater of 1/3rd of the Belk Rewards Flex Pay Plan balance each time new purchases are added or $75. When the Belk Rewards Flex Pay Payment Plan is added to your account, new purchases made on your Belk Rewards Card (other than Special Payment Plan Purchases, including Table Top/Jewelry Plan purchases) are automatically included in the Belk Rewards Flex Pay Plan. Any purchases made prior to the Belk Rewards Flex Pay Payment Plan being added to your account will remain in the regular plan balance until paid off. The Standard purchase APR is 24.49 %. Minimum interest charge is $1.00. (5) Belk Rewards cardholders who spend $600 in a calendar year will be upgraded to Premier status and cardholders who spend $1500 in a calendar year will be upgraded to Elite status. Premier cardholders must spend $600 and Elite cardholders must spend $1500 each calendar year to maintain their Premier or Elite qualification. If they do not, the cardholder will lose the Premier or Elite benefits. See the Belk Rewards Program Terms for additional information.