Belk Rewards Mastercard
Basic Information
Program ID: belk-rewards-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:33
Last Scraped: 01/15/2026 08:55
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 3,074.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,174.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.01
Time Period: 1 days
Bonus Timing: Welcome offer is 20% off your first day's purchases when you open and use your new Belk Rewards Card. The discount is applied instantly at checkout. No specific maximum savings amount is stated on the offer page. A purchase of any amount on the first day is required to receive the discount.
Rewards Program
Reward Type: Store Credit / Points
Base Reward Rate: 2.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 2x-4x on all purchases at Belk stores and belk.com (tiered based on annual spend)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire if account is inactive for 12 months. Reward Dollars (issued as $10 certificates for every 1,000 points) expire 90 days after issuance.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 640 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: For 2026, the Belk Rewards Card, issued by Synchrony, is expected to maintain its core application and bonus structure. Eligibility typically requires applicants to be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is subject to a credit check by Synchrony, generally requiring fair to good credit, though sometimes accessible with limited credit history. Synchrony is known to be sensitive to the number of recently opened accounts and existing credit limits with them. The primary bonus rule for new cardholders is usually an immediate discount on their first Belk purchase (e.g., 20% off), rather than a spend-based bonus over time. This discount is typically applied at the point of sale for the initial transaction.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable; initial bonus is typically an immediate discount on the first purchase, not tied to a spend interval.
Shutdown Risk Triggers: Common triggers for Synchrony account shutdown or credit limit reduction include: opening too many Synchrony accounts in a short period, high cumulative credit exposure across all Synchrony cards, defaulting on any Synchrony account, suspicious or fraudulent activity, manufactured spending (less common for store cards but still a general risk), and significant changes in credit profile (e.g., multiple new accounts with other lenders, high utilization elsewhere).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Frequent Belk shoppers appreciate the exclusive discounts, special financing, and rewards points earned on store purchases, especially the initial sign-up bonus and birthday offers. Many find the store card easy to obtain, making it useful for building credit.
Top Negative Feedback:
Common complaints include high APRs, poor customer service from Synchrony Bank, and issues with billing and online account management. Users also note that rewards are limited to Belk purchases and can expire, and initial credit limits are often low.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Macy's Credit Card
- Kohl's Credit Card
- Target RedCard
Card Value Score: 65.0 / 100
Est. Annual Rewards: $70.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 70% Store / 30% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0