With 300 stores in 16 states, William Henry Belk founded Belk, Inc., a department store firm, in Monroe, North Carolina, in 1888. Through Synchrony Bank, the business provides a personal credit card service. For purchases made in-retail store and by customers utilizing their Belk credit cards online, reward points are given. Money, goods, or surprise cards can be purchased with reward points. With purchases of $150 or more, consumers who use the Belk credit card can take benefit of exclusive financing options.