Belk Premier Rewards

This card is worth considering if Belk is already one of your go-to stores and you expect to make enough purchases there to benefit from the 4% back in Belk Rewards. With no annual fee, there is little downside to keeping it for store spending, especially if you shop Belk for apparel, shoes, beauty, or home items throughout the year.

For most other readers, this is a narrow-use card. The 1% back on non-Belk purchases is easy to beat with a general cash back card, and there are no listed travel perks, protections, or statement credits to expand its value beyond the store rewards. It makes the most sense as a secondary card for loyal Belk customers, not as your main card.