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Belk Rewards Card Program


By participating in the Belk Rewards Program, you hereby agree to be bound by these terms. In order to receive the benefits of the Belk Rewards Program, you need to make purchases with your Belk Rewards Card, earning the necessary level of points. The Belk Rewards Program is automatically available for your Belk Rewards Card account, if it is open, in good standing and not more than 2 payments past due both at the time points are earned and at the time Belk Reward Dollars are issued and redeemed.


For every dollar in net purchases (merchandise purchased minus returns and adjustments) charged to the Belk Rewards Card at any Belk store location in the United States and/or on belk.com, you will earn 1 reward point. Non-merchandise, leased departments, Belk Gift Cards, finance charges and fees do not qualify for points.


Each time you earn 400 Reward Points in a calendar year, you will receive $10 Belk Reward Dollars. The amount of the Belk Reward Dollars will be in $10 increments for every 400 points in your Reward Points balance at the time that Belk Reward Dollars are issued. However, the amount of Belk Reward Dollars issued in any billing period will not exceed $100, and any additional Reward Points in your balance will be applied toward Belk Reward Dollars in a future billing period.


Cardholder Reward Points are not subject to expiration.


Belk Premier Status


Premier Rewards Cardholders: Belk Rewards Card account holders who do all of the following:


(a) spend $600 in Belk store locations (net of merchandise returns, sales tax, interest charges and fees) on their Belk Rewards Card within a calendar year;

(b) keep their account in good standing; and


(c) after reaching the $600 qualifying amount, are not more than 2 payments past due at time of Premier Rewards card issuance, will be upgraded to a Belk Premier Rewards Card. Upgrades to the Premier level will be processed during your next billing cycle after you qualify.


Once you receive your upgraded card, you will receive additional Belk Premier Rewards cardholder benefits and become eligible to participate in the Belk Rewards Flex Pay Plan. To take advantage of the Belk Rewards Flex Pay Plan, you need to contact customer service to have this plan added to your account. You must spend at least $600 in Belk store locations (net of merchandise returns, sales tax, interest charges and fees) on your Belk Premier Rewards Card each calendar year in order to maintain your qualification as a Belk Premier Rewards cardholder. If you do not maintain your Premier qualification, you will lose the Premier benefits.


Belk Elite Status


Elite Rewards Cardholders Belk Rewards Card accountholders who do all of the following:


(a) spend $1,500 in Belk store locations (net of merchandise returns, sales tax, interest charges and fees) on their Belk Rewards Card within a calendar year;


(b) keep their account in good standing; and


(c) after reaching the $1,500 qualifying amount, are not more than 2 payments past due at time of Elite Rewards card issuance, will be upgraded to a Belk Elite Rewards Card. Upgrades to the Elite level will be processed during your next billing cycle after you qualify.


Once you receive your upgraded card, you will automatically receive additional Belk Elite Rewards cardholder benefits, including having the Belk Rewards Flex Pay Plan added to your account. You must spend at least $1,500 in Belk store locations (net of merchandise returns, sales tax, interest charges and fees) on your Belk Elite Rewards Card each calendar year in order to maintain your qualification as an Elite Rewards cardholder. If you do not maintain your Elite qualification, you will lose the Elite benefits.



Multiple Point Offers


Multiple point offers are valid only on announced dates, announced departments and announced Belk Reward Program tiers (Belk Rewards Card, Belk Premier Rewards Card & Belk Elite Rewards Card). All offers are subject to credit approval and exclude all gift cards, non-merchandise purchases and leased departments.


Reward Points will be earned per $1 in merchandise purchased using your Belk Rewards Card. Points will be issued based on net purchases made (merchandise less tax, adjustments and returns) and will be posted to your statement in 1-2 billing cycles provided your account remains open and in good standing. Each account is only eligible for one multiple points offer during the offer event. See program terms for additional details.



Belk Reward Card Program credit discount offers


(% Off on Purchases when you use your Belk Rewards Card)



New Account Offer Discount


*Subject to credit approval. 20% Off applies to one days' purchases made online or in-store with a Belk Rewards Card. Offer excludes non-merchandise and leased departments, salon services, and Belk gift cards. Not valid on prior purchases, phone, mail, or special orders or trunk shows. Cannot be redeemed for cash, credit or refund or used in combination with any other discount or coupon offer. Void if copied, transferred, altered or defaced. Cannot be replaced if lost or stolen. Shopping Pass has no cash value and must be presented at time of purchase to receive offer. 400 Bonus Belk Rewards Points will be applied to your account in the first billing statement when a purchase is made the day account is opened. Only one 400 bonus points offer per account. See Rewards Program Terms in application for details on earning and redeeming rewards.


When Advertising 20% off all day when you use your Belk Rewards, Belk Premier or Belk Elite Card


20% off offer valid on dates shown. Subject to credit approval. Offer valid on one day's purchases with your Belk Rewards Program Card. Coupon required. One offer per cardholder. Offer not valid on prior purchases, special orders and excludes non merchandise and leased depts and gift cards. Cannot be redeemed for cash, credit or refund, used in combination with any other discount. No mail, phone or special orders and cannot be used in combination with any other coupon or discount offer. Shopping pass has no cash value and must be presented at time of purchase to receive offer. Additional merchandise exclusions apply – please see store associate and offer details for merchandise exclusions.



Existing Belk Rewards Cardholders


When Advertising 15% off all day when you use your Belk Rewards, Belk Premier or Belk Elite Card 15% off offer valid on dates advertised. Subject to credit approval. Offers valid on one day's purchases with your Belk Rewards Program Card. Coupon required. One offer per cardholder. Offer not valid on prior purchases, special orders and excludes non merchandise and leased depts and gift cards. Cannot be redeemed for cash, credit or refund, used in combination with any other discount. No mail, phone or special orders. Cannot be used in combination with any other coupon or discount offer. Shopping pass has no cash value and must be presented at time of purchase to receive offer. Additional merchandise exclusions will apply - please see store associate and offer details for merchandise exclusions.



Belk Rewards Premier & Belk Rewards Elite Offers & Benefits



Belk Rewards Flex Pay Plan


See program terms for additional details. 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, all 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. See account opening disclosures for the standard account terms.



Belk Rewards Elite offers & benefits


Belk Elite Rewards Cardholders qualify for Free Standard Shipping when the total amount of their purchase is charged to their Belk Elite Rewards Card. Does not include gift box charges, purchase of gift cards, or purchases using any other partial form of payment (including a Belk Gift Card). Offer applies to Standard Shipping to one location. Offer does not apply to returns. Cardholder can return any item to their nearest Belk store free of charge.



Belk Rewards Card - Points Never Expire


See Rewards Program Terms for additional details



Additional Offers & Details



Double Belk Reward Dollars


When advertised, unused and unexpired $10 Belk Reward Dollars certificates may be redeemed for $20 in-store only. Subject to credit approval and excludes all gift cards, non merchandise and leased departments.



Belk Rewards Card No Annual Fee


Purchase APR is 24.49%. Minimum interest charge is $1.00.



$20 Belk Rewards Dollars when you spend $100 in Beauty


When advertised, receive $20 in Belk Reward Dollars when you spend $100 or more in the Cosmetics & Fragrance Department with your Belk Rewards Card. Subject to credit approval. $20 in Belk Reward Dollars will be sent to you within 1-2 billing cycles after you make your qualifying purchase. Account must remain open, be in good standing and not become delinquent. One $20 in Belk Reward Dollars per cardholder.



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