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Long-time department store chain Belk offers 3 versions of its branded credit card, the Belk® Rewards Credit Card, for qualified applicants to earn special rewards when shopping in-house. But is it a better deal than some other credit card alternatives?

As one of the unsung heroes of retail, department chain Belk has offered great merchandise at affordable prices for over 100 years. A staple of shopping malls in more than 300 locations across the United States, Belk offers everything from cosmetics to home furnishings, home goods and men’s/women’s apparel. And like most retailers of its size and stature, Belk offers its own brand of retailer credit card, the Belk Rewards Card. In this article, we’ll take a look at the benefits and drawbacks of the Belk Rewards Card, determining whether qualified cardholders have better credit card options elsewhere.