Belk Rewards Credit Card

Synchrony Belk Rewards Card Pending

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14

Benefits

1

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: belk-rewards-card

Issuer: Synchrony

Card Name: Belk Rewards Credit Card

Card Type: Credit

Network:

Card Tier: Belk Rewards Card

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:33

Last Scraped: Feb 07, 2026 05:08

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Belk Purchases 3x Points Purchases made at Belk stores or belk.com No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 0x

Bonus Rate: 3x

Categories: Purchases at Belk

Quarterly Rotating: No

Expiration Policy: Belk Rewards Dollars expire 30 days after issuance. Points expire 12 months from the date earned if not converted to Rewards Dollars.

Point Value: 0.01¢

Redemption Penalties: Belk Rewards Dollars expire 30 days after issuance and have redemption restrictions (e.g., cannot be used for gift cards, salon services, or certain leased departments).

Benefits & Protections (Detailed) 14 Total
PENDING
Financial 1
No Annual Fee
No annual fee

The Belk Rewards Card and Belk Rewards+ Card have no annual fee.

Lifestyle 2
Free Basic Alterations - Gold Status
Free basic alterations

Belk Rewards+ Card Gold status members receive free basic alterations on purchases made at Belk.

Free Basic Alterations - Platinum Status
Free basic alterations

Belk Rewards+ Card Platinum status members receive free basic alterations on purchases made at Belk.

Shopping 11
Belk Rewards Points Earning - Standard
2 points per $1

Earn 2 Belk Rewards Points for every $1 spent on qualifying purchases at Belk stores and belk.com for standard Belk Rewards Cardholders.

Belk Rewards Points Earning - Silver Status
3 points per $1

Earn 3 Belk Rewards Points for every $1 spent on qualifying purchases at Belk stores and belk.com for Silver status Belk Rewards+ Cardholders.

Belk Rewards Points Earning - Gold Status
4 points per $1

Earn 4 Belk Rewards Points for every $1 spent on qualifying purchases at Belk stores and belk.com for Gold status Belk Rewards+ Cardholders.

Belk Rewards Points Earning - Platinum Status
5 points per $1

Earn 5 Belk Rewards Points for every $1 spent on qualifying purchases at Belk stores and belk.com for Platinum status Belk Rewards+ Cardholders.

Belk Reward Dollars Redemption
$10 for every 1,000 points

Redeem 1,000 Belk Rewards Points for $10 in Belk Reward Dollars, which can be used towards purchases at Belk.

Birthday Offer
Special offer

Receive a special birthday offer each year for Belk Rewards Cardholders.

Exclusive Savings Events
Access to exclusive events

Access to exclusive savings events throughout the year for Belk Rewards Cardholders.

Free Standard Shipping - Silver Status
Free standard shipping

Belk Rewards+ Card Silver status members receive free standard shipping on all belk.com purchases.

Free Standard Shipping - Gold Status
Free standard shipping

Belk Rewards+ Card Gold status members receive free standard shipping on all belk.com purchases.

Free Standard Shipping - Platinum Status
Free standard shipping

Belk Rewards+ Card Platinum status members receive free standard shipping on all belk.com purchases.

Free Gift Wrap - Platinum Status
Free gift wrap

Belk Rewards+ Card Platinum status members receive free gift wrap on purchases made at Belk.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 24 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Belk Rewards Card is a store-specific credit card issued by Synchrony Bank. **Bonus Rule:** Typically offers a percentage discount (e.g., 20%) on the first purchase made with the card on the day of approval. Ongoing rewards usually include earning points per dollar spent at Belk, often with accelerated earning during special promotional periods. Points are redeemable for Belk Rewards Dollars. **Application Rules:** Applicants must be at least 18 years of age, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable U.S. residential address. Approval is subject to Synchrony Bank's creditworthiness criteria, which for store cards can be more lenient than for general-purpose credit cards, often targeting fair to good credit profiles.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for a specific bonus spend interval; initial discount is typically applied to the first purchase. Ongoing rewards accrue with every eligible purchase.

Shutdown Risk Triggers: Common triggers for account shutdown or credit limit reduction by Synchrony include: defaulting on any Synchrony-issued account, high credit utilization on the Belk card itself, significant negative changes in credit score or financial profile (e.g., bankruptcy, multiple delinquencies), suspected fraudulent activity, excessive credit applications within a short period, or exceeding Synchrony's internal cumulative credit exposure limits across all accounts.

Cliff Effect Rules: Not applicable; store cards like the Belk Rewards Card are generally independent products without complex card family rules that restrict bonus eligibility based on holding other Synchrony cards. Upgrade paths (e.g., to a Belk Rewards Mastercard) may exist but do not typically involve 'cliff effects' on initial bonuses.

Special Events: Belk frequently runs store-specific sales events such as 'Belk Days,' 'Friends & Family Sales,' 'Private Sales,' 'Bonus Point Events,' and 'Extra Discount Days' where cardholders may receive additional savings or accelerated rewards.

Holiday Promos: Key promotional periods align with major retail holidays: Black Friday/Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Back-to-School, Memorial Day, Labor Day, and Fourth of July.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent for frequent Belk shoppers, offering good discounts and rewards on store purchases. The initial discount is a nice bonus, and the tiered rewards system can be very beneficial for high spenders at Belk.

Top Negative:
Rewards are primarily limited to Belk, making it less valuable for general spending. Some users report high APRs and occasional issues with customer service. The card's utility outside of Belk is limited.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Macy's Credit Card
  • Kohl's Charge
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $45.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0