5. Belk
APR: 25.49%
Having 300 stores in 16 states, Belk isn’t a small player on the market. If you opt for Belk credit card, make sure you have a major shopping in the plan since the department store will give you 20% discount on all purchases (15% on home and shoe items) made on the day you get the card approved. You’ll also be able to collect points which will transfer into rewards.