I am currently planning on buying an entire new wardrobe from Belk within the next few weeks. I don't have all the money needed to make my desired purchases, so I've been planning on applying for their card. Do you think the Belk credit card is worth applying for?

Answered on May 26, 2017
Updated on May 26, 2017
The content is accurate at the time of publication and is subject to change.
Amy Miller Amy Miller
The Belk card can could have some benefit to someone who frequently shops at Belk. With the base level card, you can collect a $10 reward certificate for every 400 points you earn. Although this card allows you to earn rewards for your shopping at Belk, the rewards are limited compared to other credit cards that are available. If I were to apply for a rewards credit card, I would prefer to go for a more general card that would allow me to earn points from more than just one store. In addition, if you are planning to finance a large purchase, you should avoid using the Belk card, or any store credit card for that matter. In this case, try applying for a general credit card that offers a 0% introductory APR on purchases.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

User Comments about This Question

BROWSE MORE QUESTIONS ABOUT Credit Card Rewards:

Valero has a tiered rebates system. You earn 4¢ per gallon on every gallon purchased when you purchase at least 50 gallons per billing cycle or earn 8¢ per gallon on every gallon purchased when you purchase at least 75 gallons per billing cycle (up to a maximum of 110 gallons). Gas rebates will automatically appear on your monthly billing statement. For more traditional and easy to understand reward options, see general rewards credit cards and especially cash back cards. Those give you simple cash back every time you purchase anything anywhere and rewards are also redeemable everywhere.
If you have an excellent credit there are a lot of credit cards that will bring you more benefits than JCPenney rewards credit card. If you want to save on shopping with a credit card at your favorite stores, you may choose a regular credit card with cash back rewards.
Consider frequent flyer credit cards to earn miles and enjoy air travel benefits. Study the features associated with these credit cards carefully. Hope you will find the credit card right for you.

Have A Credit Card Question? Ask Our Experts

Help us personalize your results
Your Credit History:
Do you have checking account?
How long have you had a loan or credit card?
Have you ever been declared bankrupt or defaulted on a loan?
Have you been late on any credit card or loan in the last year?
* - marked fields are required to be filled
By submitting your question, you agree to the following:*
Here at BestCreditOffers.com we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. Please seek appropriate professional or legal advice when needed.
ASK YOUR QUESTION
ASK YOUR QUESTION

LOOKING FOR A CARD?

There is a credit card for any credit and for any purpose. Whether you want to start building your credit from scratch or earn rewards on purchases, save on gas or travel for free, you can find a good credit card offer for that.