10 Benefits of Having a Belk Credit Card

American store chain Belk has withstood the test of time. The company knows exactly how to ride the waves of fashion, and even though there are only 300 locations in 16 states, their name is well known throughout the nation. The great news is even if you don’t have a Belk store nearby, you could still shop through their online store. And there’s no shopping at Belk like shopping with their store credit card. You could get tons of discounts and savings just by being a cardholder. If you you’re not a cardholder yet, here are 10 reasons why you should have a Belk credit card.

1. Exclusive discount

As soon as you register your credit card, you automatically get 20% discount on all your purchases online, all day long. This amount of discount is basically unheard of in the store credit card world. It also helps that Belk sells a great selection of goods to choose from. Owning this credit card alone qualifies you for so much discount already.

2. Reward points

For every single dollar you spend with the Belk credit card, you get an equivalent point. All the points you collect and accumulate could earn you a reward along the way. When you’ve collected 400 points, you get $10 back. It may not sound like much, but anything adds up in the end. And if you combine this with the 20% discount, you get even more for your money.

3. Annual fees

One of the best things about having the Belk credit card is not having to pay any annual dues. You can enjoy shopping until you drop without worrying about any annual fees getting taken out of your credit limit. Many credit cards charge an annual fee, but not Belk.

4. Online access

Belk makes it easy to manage your credit card account by giving you access to it online. You can view your purchase activity and see what your balance is anytime you’d like. You can also make your payments online, making it so much easier to pay your account on time.

5. Automatic upgrade

The more you spend on your credit card, the better it will be for you in the long run. If you pay your monthly dues on time and keep up with your spending, Belk will automatically upgrade your credit limit each year. Healthy and responsible spending with this credit card will be duly rewarded.

6. Discount days

Apart from the 20% discount that you get on a daily basis, you also get access to special cardholder discount days. Cardholders get 35 discount days out of the entire year. These discount days only means more savings for you in the end. It’s definitely a win-win situation that only cardholders could take advantage of.

7. Extra points events

You get 20% all day. You also get discount days. In addition, as a cardholder, you also get access to special events where you could accumulate extra points for every dollar that you spend. This means that you could reach your 400 points even faster to get your reward even faster.

8. Excellent security

You shouldn’t have to be liable for any fraudulent activity that might happen with your credit card. The Belk credit card offers zero fraud liability, which means that you wouldn’t be responsible for any unauthorized charges on your credit card. It’s just something that will give you a peace of mind every time you use your card to go shopping.

9. Premier status

If you spend at least $600 on your card each year, you get qualified for premier status, which gives you access to even more benefits. You can get special financing through a flex pay plan. You also get access to free benefits such as basic alterations on clothing and deluxe gift-wrapping.

10. Elite status

If you spend at least $1,500 on your credit card, you get qualified for elite status. This status entitles you to even more extra benefits including triple points events, which gets you elite rewards points. These points will never expire, so you can accumulate as much as you want. You also get a 20% off birthday coupon and a day of your choice when you get an additional 15% off. If you’re an elite cardholder, you also get free shipping on all your purchases in store and online.


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