Can I use my Belk credit card anywhere? Most times people get confused or become a bit worried about the status of their credit card, whether it is universally accepted or is there a limit at which the credit card will be regarded obsolete or tagged useless. For Belk’s credit card, it comes either as a MasterCard or not demanding on the details and payment order you choose. For those with the MasterCard symbol or imprint, there is no limit as to where it will be used so far MasterCard is accepted at that place. However, if the card has no MasterCard symbol or imprint on it, then it is regarded as a store-only card and is eligible for any form of transaction peculiar to Belk stores or its related stores. ..

Who is Belk?

Belk is a department store that was founded in 1888 by William Henry Belk. The company currently has over 300 stores across the United States, with their headquarters in Charlotte. Belk is a private retail industry that deals with different kinds of shoes, home interior furnishing, cosmetics, accessories, etc.

Kinds of Belk Credit Cards?

Belk has three types of credit cards: a standard credit card, a rewards card, and a gift card. The standard credit card is for people who spend $1,000 per year or more. The rewards card is for people who spend $50 or more per year. The gift card is for people who spend $25 or more per year.

  1. The main level, where you find the majority of the store’s products.
  2. The basement, which is used for smaller items and is less trafficked.
  3. The attic, which is used for more esoteric items and is less trafficked.

Belk Rewards Credit Card:

This is the least expensive card for customers who spend $599 or more annually at Belk stores or outlets. These customers are eligible for rewards such as: For customers who spend $599 or more annually at Belk stores and outlets, this card offers a lower interest rate and other benefits. ..

The 20% discount or off of all purchases they will make on the day of their account approval. However, for shoes and home accessories, there is a 15% off for them. There is a 10% reward score in Belk reward dollar dataFor any place MasterCard is accepted, there is a 2% back on gas and any grocery purchase. A receipt free returns for any purchase made with the card. A monthly reward or bonus.

Belk Premier Rewards Credit Card:

  • A $100 rebate for every $1,000 in spending on the card.
  • A 0% APR on purchases for 12 months.
  • A $50 credit limit.
  • No foreign transaction fees.

Belk’s birthday coupon offers shoppers a 4% rewards bonus on all purchases made in-store or online. This flexible payment plan makes it easy to take advantage of this valuable perk. ..

Belk Elite Reward Credit Card:

  • A $100 gift card
  • A $200 gift card
  • A $300 gift card
  • A $400 gift card
  • A $500 gift card
  • A $600 gift card
  • A $700 gift card

Belk is offering a 5% back reward for purchases done in Belk stores or online via Belk.comThere is a free shipping reward in-store and at BelkThere is a 20% discount on purchases made on a selected day of your choice. This is usually termed a quarterly pick your sale day. Belk is also offering a free shipping reward for orders placed through their website, which can be found under the “Free Shipping” tab. This offer includes free standard shipping on orders over $50, and also includes free 2-day shipping on orders over $75.

 Pros of Belk credit card

The sign-up bonus for new card owners is 20% off the regular price, and there are also monthly and quarterly bonuses for events throughout the year. The free receipt returns policy is also very generous.

Cons of Belk Credit Card

Some rewards are only available to the highest-tier cardholders. The standard expiration period for rewards after one year is three billing cycles.

Conclusion

If you are looking to use your Belk credit card anywhere, especially where MasterCard is accepted, it is advisable to go for Belk cards with MasterCard imprints. Having such confers the card its eligibility for usage in any store that utilizes MasterCard. To enjoy more offers or rewards, it is cool to upgrade to the highest tier of credit cards which in turn requires you to spend more.

Yes, there is a purchase APR rate of 25.49% with a minimum interest charge of $1. ..

Yes, you can use your Belk MasterCard at stores that accept MasterCard. This allows you to use Belk’s MasterCard. ..

Belk’s credit card is issued by Synchrony banks. The terms and conditions of Belk’s rewards, and redeeming of rewards, are under the authority of Synchrony bank.