Belk Credit Card Login, Payment, Customer Service, and More

Belk is a US-based department store chain established by William Henry Belk in 1888. The company was founded in Monroe, North Carolina, and it has expanded to 16 states with over 300 stores

If we talk about the expertise of Belk stores, the department store chain sells clothes, accessories, shoes, wedding products, home furnishings, cosmetics, and a lot more.

The store chain has a history of around one and a half centuries and has a reward program for the customers who regularly shop at Belk stores or Belk.com. In today’s article, we will discuss the credit card program of Belk, its features, how to get your credit card, make payments, customer service, and a lot more.

So let’s get into it.

What Is Belk Credit Card Program?

Belk store offers a reward program for their customers and it is called Belk Rewards+. The Belk Rewards+ allows the credit card holders of Belk to get exclusive cashback, discounts, and perks on their purchases at Belk and non-Belk stores. The credit cards that come under Belk Rewards+ credit card program have different tiers, and each tier adds to the benefits you get with your credit card.

Belk has partnered with Synchrony Financial to issue credit cards to customers. The company issues Mastercards which are accepted worldwide as a mode of payment. Besides, the qualification criteria are not very rigid, and you can easily qualify for the right credit card according to your spending with Belk. The three cards issued by Synchrony Bank are as follows:

  1. Belk Rewards+ Insider Cardholder
  2. Belk Rewards+ Premium Cardholders
  3. Belk Rewards+ Elite Cardholders

The volume of your purchases at Belk stores and Belk.com decides the tiers of the card. We will talk about the features of each tier in the next section.

Features And Benefits Of Belk Credit Card

The general features of Belk credit cards are as follows:

  1. Welcome bonus on the first purchase after getting approved for credit cards
  2. There is no annual maintenance fee for your Belk Rewards+ credit cards
  3. The Mastercard capability adds to the acceptability of the cards in international and national stores and marketplaces
  4. The points you get against your purchases are valid for one year, and you can redeem the points after reaching 500 points
  5. There are a lot of good things about Belk Rewards+ credit cards, but these cards come with a higher APR than market purchases

Here are the main features and benefits of all credit card tiers:

Belk Rewards+ Insider Cardholder

If you have spent up to $299.99 at Belk or Belk Store in a year, you can apply for a Bulk Rewards+ Insider card. The features of the card are as follows:

  • Point redemption for every dollar spent at Belk and Belk.com: 4 points @ $1 spent
  • You get 2 points per dollar spent on grocery and gas purchases
  • You get 1 point per dollar on all non-Belk purchases like traveling, restaurants, airplane tickets, stores, etc.
  • You get free standard shipping on your purchases with Belk two times a year
  • A $10 Birthday reward is also awarded to the customers.
  • You get notified about VIP Savings Events, where you can save several hundreds of dollars on your purchases in different categories

Belk Rewards+ Premium Cardholders

Spend between $300 and $999.99 on Belk and Belk.com in a year to become eligible to apply for Belk Rewards+ Premier card. The main features of the card are as follows:

  • Point redemption for every dollar spent at Belk and Belk.com: 5 points @ $1 spent
  • You get 2 points per dollar spent on grocery and gas purchases
  • You get 1 point per dollar on all non-Belk purchases like traveling, restaurants, airplane tickets, stores, etc.
  • You get free standard shipping on your purchases with Belk four times a year
  • A $10 Birthday reward is also awarded to the customers.
  • You get notified about VIP Savings Events, where you can save several hundreds of dollars on your purchases in different categories
  • You will also get the option of flexible payments when choosing the financing plan according to your needs

Belk Rewards+ Elite Cardholders

Spend above $1000 on Belk and Belk.com in a year to become eligible to apply for Belk Rewards+ Premier card. The main features of the card are as follows:

  • Point redemption for every dollar spent at Belk and Belk.com: 7 points @ $1 spent
  • You get 2 points per dollar spent on grocery and gas purchases
  • You get 1 point per dollar on all non-Belk purchases like traveling, restaurants, airplane tickets, stores, etc.
  • You get free standard shipping on your purchases with Belk every day.
  • A $10 Birthday reward is also awarded to the customers.
  • You get notified about VIP Savings Events, where you can save several hundreds of dollars on your purchases in different categories
  • You will also get the option of flexible payments when choosing the financing plan according to your needs
  • When you have an Elite membership card, you also get a choice to make your own sale day to earn discounts on your purchases

Qualification Criteria For Belk Credit Card

You must meet the qualification criteria of Synchrony Financial to apply for your Belk credit card. Here are the general conditions you should meet before you apply for your Belk Rewards+ credit card:

  • You must be a citizen or permanent resident of the United States
  • You must be at or above the age of majority when applying for card
  • Good to excellent credit score
  • You must have a street, rural route, or mailing address in any state of the US
  • You must have government-issued ID proof like a Social Security Number, Social Insurance Number, etc.
  • Proof of continuous income to pay your credit card bills
  • A lower debt-to-income ratio is preferable

How To Apply For My Belk Credit Card?

Here is how you can apply for your Belk Rewards+ Credit Card:

Online

To proceed with your application online, follow these simple steps:

  1. Visit the official webpage of Belk Rewards+ Credit card here.
  2. Click on Apply Now, and it will redirect you to the Synchrony Bank webpage for application.
  3. You will need to enter your personal details like your Social Security Number and Mobile Phone to start with the application. Click on Continue.
  4. Follow the on-screen prompts to provide your personal, contact, and financial information.
  5. Once entered, review the Terms and Conditions, check the box, and submit your application. 

At Store Checkout

You can also apply for your credit card at Belk store checkout. If you meet the basic eligibility requirements and have made enough sales at Belk last year, you can request the cashier about the credit card. The credit line becomes available on the same day if you get approved. However, card printing can take a few business working days.

Register For Online Access

You will need online access to your Synchrony Belk account to check bank statements, pay bills, review transaction history, edit settings, and account management. So here is the step-by-step process to register for online access:

  1. Visit the official webpage for account login here and click on Register.
  2. It will redirect you to the registration page, where you must enter your account number and Zip code.
  3. The next step requires you to provide your information, create a username, and set your account password.
  4. Confirm the account registration and accept the Terms and Conditions of Synchrony bank.

How To Login To My Belk Credit Card Account?

Here is how to log in to your Belk credit card account:

  1. Visit the login page of the Synchrony Belk Rewards+ card here.
  2. Enter your username and password.
  3. Click on Sign in, and that’s it!

How To Pay Belk Credit Card Bills

When it comes to paying your Belk card bills, here are different methods you can choose from:

Online

Here is the step-by-step guide to paying your bills online:

  1. Login to your Belk Rewards+ card account by using the credentials you created in the registration process.
  2. Once logged in, go to Payments from the main menu.
  3. Click on Make A Payment and provide the bill details.
  4. Proceed with providing your checking account details and bank routing number.
  5. Confirm the transaction and complete the payment.

Via Phone

You can also call on the customer service number of Synchrony Bank for payments of your credit card bills. The number for online bill payment is as follows:

1-800-669-6550

You can call from Monday through Saturday between 8:30 am and 7:00 pm EST to talk to the customer representative and proceed with your credit card bill.

Via Mail

You can also send your payment to the bank via a check or money order.

The processing time for the mail can be 2-3 business days, and you might get late if you send mail on the due date. Therefore, make sure to be two days ahead of the deadline when choosing the mail for sending your bills.

The mailing address for paying Belk Rewards+ credit card bill is as follows:

Synchrony Bank/Belk
P.O. Box 530940
Atlanta, GA, 30553-0940

Customer Service Of Belk

Phone

Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support:  

1-800-669-6550

Mail

Alternatively, you can send your credit card-related queries to the mailing address of Synchrony Bank that is given below: Synchrony Bank/Belk
P.O. Box 530940
Atlanta, GA, 30553-0940

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