Belk Elite Rewards MasterCard Review

If you're wondering whether Belk credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
• Signup bonus. Offers a signup bonus of $10 if you spend $1.
• Signup bonus. Offers a signup bonus of 1000 points after spending $1 that can be redeemed for travel, gifts, or other perks.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.49%
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

The Good	The Bad
0% APR balance transfer intro rate on balance transfers . No balance transfer fee. No annual fee. Cardholders can earn rewards on their purchases. Belk Elite Rewards MasterCard reports to multiple credit bureaus.	Higher than average purchase APRs. Charges a foreign transaction fee of 3%. Does not include many credit card benefits.

Does Belk credit card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $50 back in cash.

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Belk credit card Rewards

Minimum rewards rate	5x
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$10
Signup Bonus (Points/Miles)	1000
Signup Bonus Spend Requirement	$1

What are the Belk credit card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Belk credit card?

This is a charge card and therefore doesn't have a regular APR or interest charges. You must pay your balance in full every month.

What are the fees for Belk credit card?

The following fees apply:

Belk credit card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	$0
Late Payment Fee	up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Belk Elite Rewards MasterCard report your account activity to credit bureaus?

Yes, Belk Elite Rewards MasterCard reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Belk credit card

• Visit the Belk credit card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.