All info comes from Belk, which is subject to change according to their updates. Terms and Conditions may apply.
The Belk Store Credit Card is a good card to use if you do quite a bit of shopping there. Their rewards for every $400 you spend in store you get a $10 gift card is way beyond what most reward programs will offer. I recommend saving up signing for this card until you know you will be making a large purchase because you will get 20% off your purchase on that first day only. This can go a long way towards saving money. Their bonus sales are also a plus when you have the card, so it will definitely be your go to card for Belk purchases.
Having a Belk Credit Card is worth your time if you shop relatively frequently at Belks. There is no annual fee and instant incentives to signing up. They give you 20% off of your first purchase and give your points that result in cash after a few purchases. When they do sales such as 20% off your purchase, card owners often get an additional bonus such as 30% off. Twould recommend this card for anyone who pays off their card at the end of the month but not to someone who keeps a balance. The APR is high and adds up quickly for people I have known to do this.