Belk rewards plus
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Say tiers, my dears! The more you shop, the better it gets. Benefits breakdown. Belk Rewards plus insider cardholder. Spend $0 to $299.99 per year at Belk. 4 points per $1 spent. Free standard shipping 2 times per year. $10 birthday reward. VIP savings events. Belk Rewards plus premier cardholder. Spend $300 to $999.99 per year at Belk. 5 points per $1 spent. Free standard shipping 4 times per year. $10 birthday reward. VIP savings events. Flexible payments. Belk Rewards plus elite cardholder. Spend $1000 or more per year at Belk. 7 points per $1 spent. Free standard shipping every day. $10 birthday reward. VIP savings events. Flexible payments. Pick your own sale days.
Plus, with the Belk Rewards plus Mastercard, you'll still earn two points for dollar spent on gas and grocery purchases. One point per dollar spent on other non Belk purchases. 
Cardholders, add your Belk Rewards plus credit card to your Apple Wallet!
Wallet icon. Open wallet app. Follow the steps in your mobile walet.
Icon of a Belk credit card with a check mark. Verify your account. Once your account is verified with Synchrony Bank, you can start using Apple Pay, trademark, where available in-stores & online.
Icon of a phone with three curved lines above it. Tap & Go, registered trademark, to pay & earn points. Just bring your phone close to any supported card device & Tap & Go, registered trademark, to pay. You'll earn points with qualifiying purchases in-stores & online. 
Google pay logo and Samsung pay logo. Google Pay and Samsung Pay are available for in-store purchases.
Fine jewelry plan. A payment plan just for Belk Rewards Plus cardholders on qualifying fine jewelry purchases. What is a qualifying fine jewelry purchase? An initial purchase of $500 or more then Any subsequent fine jewelry purchase of $150 or more How can I avoid interest on qualifying purchases? No interest will be charged on a qualifying purchase during each billing cycle if you pay the following amounts by the due date. 1, the minimum payment called for under the plan. 2, all other minimum payments on your account and 3, any past due amounts How is the minimum payment under the plan calculated? The minimum monthly payment on a qualifying purchase will be one half of the highest billed balance of qualifying purchases since such balance was last zero, rounded to the next highest dollar. This minimum monthly payment is recalculated with each subsequent qualifying fine jewelry purchase. Optional credit insurance, debt cancellation charges on qualifying purchases must be paid each month and are not subject to the fine jewelry plan terms. To request this plan for your Belk Rewards Plus credit card account, call 1 800 669 6550

Belk Rewards+ FAQs
Belk Rewards+ is our updated loyalty program for Belk Rewards+ cardholders. Now cardholders can earn points on every eligible purchase and enjoy benefits that include special savings and rewards, faster than before! Once a customer reaches 500 points the points are converted to a $5 Belk Reward Dollar (BRD).
You can apply for the card at a Belk store with an associate at checkout or online.
The new Belk Rewards+ credit card program is all about new and easier qualification criteria, higher earn rates, and quicker redemption.
  • Belk Rewards+ credit cardholders now earn more on purchases at Belk and than before. Belk Rewards+ Insiders now earn 4 points per dollar spent, Premier cardholders earn 5 points per dollar spent, and Elite cardholders earn 7 points per dollar spent. Prior to September 2022, Belk Rewards+ credit cardholders earned 3 points, Premiers earned 4 points and Elites earned 5 points per dollar spent.
  • Redemption is now quicker, reaching 500 points earned generates $5 in Belk Reward Dollars. Prior to September 2022, 1,000 points earned generated $10 Belk Reward Dollars.
We will use your birthday to send you Bonus Belk Reward Dollars to use in the month of your birthday. There are almost no brand exclusions with your Belk Reward Dollars. It’s our present to you!
Cardholders will be eligible to receive a Birthday Reward in the form of Bonus Belk Reward Dollars once a year on the first day of your birthday month. To be eligible to receive the annual Birthday Rewards benefit, you must update your profile with your birth month and day, a valid email address for delivery, and meet overall qualification criteria for good standing within the Program. The expiration date for the Birthday Belk Reward Dollars will be printed on the Belk Reward Dollars that are mailed to Cardholders or on Belk Reward Dollars provided digitally.
Yes, outside of receiving points for eligible purchases, Belk Rewards+ cardholders are eligible for VIP savings events throughout the year.
Tier progression is based on annual spend on your Belk Rewards+ credit card, but you will only progress up tiers based on spend with your Belk Rewards+ credit card on eligible purchases made at Belk and
Every time you shop at Belk in-store, online, or on the Belk mobile app, please use your Belk Rewards+ credit card at checkout. When shopping online at make sure you’re logged in when you make a purchase with your Belk Rewards+ credit card and your points will be processed to your member account when your items have shipped. You will also earn points outside of Belk when you use your Belk Rewards+ Mastercard for purchases everywhere Mastercard is accepted. Points can be seen once the transaction is processed and will be available within approximately 7 days.
When shopping in-store at Belk, points will be available ~7 days after your in-store purchase. For and mobile app orders, your points will be available ~7 days after the order ships.
Non-eligible purchases would include gift cards, non-merchandise and leased departments. Purchases with PayPal, buy now, pay later and special financing are also excluded.
We apologize for any frustration you may be having with your Belk Rewards+ program. If you feel that you have missing rewards, please contact Synchrony Customer service at 1-800-669-6550.
It is possible for your points balance to be negative if you make returns after the points from your original transaction were converted into Belk Reward Dollars. In this case, any points earned will be applied to the negative balance first.
All Belk Rewards+ Points expire after an account has had no qualifying purchases for twelve (12) consecutive months.
Belk Reward Dollars are reward certificates earned by using your Belk Rewards+ credit card for purchases. You will earn points with every eligible purchase at Belk, or anywhere Mastercard is accepted with your Belk Rewards+ Mastercard. Earned BRDs (Belk Reward Dollars) are issued in $5 increments and can be found in the Belk App, your account, at POS or in your monthly billing statement. Promotional BRDs are periodically emailed to cardholders as a $10 certificate. Each $5 or $10 BRD certificate includes a 15-digit number that can be applied toward your next Belk purchase at store checkout, or App checkout.
For every dollar in eligible net purchases made with your Belk Rewards+ credit card, you can earn 4, 5 or 7 points per dollar spent on Belk purchases depending on your eligible tier. Belk Rewards+ Mastercard® cardholders can also earn 2 points per dollar spent on gas and grocery purchases and 1 point per dollar spent on all other purchases everywhere else Mastercard is accepted. Each time you earn 500 points you will receive $5 Belk Reward Dollars.
Belk Reward Dollars can be redeemed in Belk stores, online at or in the Belk App towards purchases made with your Belk Rewards+ credit card. To redeem in store, have an associate either scan your QR Code (in your Belk App), lookup your account using your Belk Rewards+ card or hand them your Belk Reward Dollars. To redeem online or in the Belk App, apply the Belk Reward Dollars in your shopping bag or at checkout. Belk Reward Dollars may be redeemed only one time (based on certificate number), even if delivered in multiple formats.
Yes. Belk Reward Dollars can be used on top of coupons. You may also use multiple Belk Reward Dollars toward your Belk purchase.
Each time you earn 500 Reward Points, you will receive $5 in Belk Reward Dollars. The Belk Reward Dollars are available for use within ~7 days of your in-store purchase or purchase and are valid for 60 days. Promotional Belk Reward Dollars may be sent for events like a cardholder's Birthday, Anniversary or other promotional events. The promotional Belk Reward Dollars will be sent to you via Mail or Email and are valid only for the designated timeframe. Please see terms associated with the promotional events. Promotional Belk Reward Dollars are not eligible to be reissued.
You will receive the points back in your Belk Rewards+ loyalty account.
If an online order has been cancelled and you used earned Belk Reward Dollars, those Belk Reward Dollars will be reinstated on the account immediately after the order is cancelled. You should be able to see the BRDs within your Belk Rewards+ account online as well as be able to use them at any Belk store or online at
You can check your points balances and available Belk Reward Dollars in the following ways:
  • Sign into your Belk Rewards+ account at or on the Belk App
  • Ask any sales associate whenever you visit our stores
You can redeem up to 40 Belk Reward Dollar certificates per transaction.