Belk Rewards Credit Card

Synchrony Pending

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14

Benefits

4

Reward Categories

4x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: belk-rewards-credit-card

Issuer: Synchrony

Card Name: Belk Rewards Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:06

Last Scraped: Feb 05, 2026 13:00

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Belk Purchases (Elite Tier) 4x Points Net purchases made at Belk stores or Belk.com for Elite tier members (after $1,500 annual spend at Belk). Applies to both Belk Rewards Credit Card and Belk Rewards Mastercard. No Cap
Belk Purchases (Preferred Tier) 3x Points Net purchases made at Belk stores or Belk.com for Preferred tier members (after $600 annual spend at Belk). Applies to both Belk Rewards Credit Card and Belk Rewards Mastercard. No Cap
Belk Purchases (Insider Tier) 2x Points Net purchases made at Belk stores or Belk.com for Insider tier members (less than $600 annual spend at Belk). Applies to both Belk Rewards Credit Card and Belk Rewards Mastercard. No Cap
All Other Purchases 1x Points Net purchases made outside of Belk where Mastercard is accepted, for Belk Rewards Mastercard holders only. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 0x

Bonus Rate: 3x

Categories: Purchases at Belk stores or belk.com

Quarterly Rotating: No

Expiration Policy: Belk Rewards Dollars expire 365 days from the date they are issued.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Belk Rewards Dollars are issued in $10 increments (1,000 points). Cannot be used for prior purchases, gift cards, services, or as payment on your Belk Rewards Credit Card account.

Benefits & Protections (Detailed) 14 Total
PENDING
Lifestyle 1
Birthday Savings Offer
Varies (e.g., 20% off)

Receive a special discount or offer during your birthday month as a Belk Rewards Credit Cardholder.

Shopping 11
New Cardholder Discount
Varies (e.g., 20% off, 15% off)

Receive a percentage discount on your first day's purchases when you open and use your Belk Rewards Credit Card.

Belk Rewards Points Earning (Base Tier)
2 points per $1

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

Belk Rewards Dollars Redemption
$10 for 1,000 points

For every 1,000 Belk Rewards Points earned, receive $10 in Belk Rewards Dollars, redeemable on future Belk purchases.

Exclusive Cardholder Savings Events
Varies by event

Access to special sales, promotions, and discounts available only to Belk Rewards Credit Cardholders throughout the year.

Special Financing on Qualifying Purchases
Varies by offer and purchase amount

Opportunity to receive special financing options (e.g., deferred interest) on qualifying purchases made with your Belk Rewards Credit Card.

Belk Rewards Points Earning (Premier Tier)
3 points per $1

Earn 3 Belk Rewards Points for every $1 spent on qualifying purchases at Belk stores and belk.com once you achieve Belk Premier status.

Free Standard Shipping (Premier Tier)
Free standard shipping

Receive free standard shipping on belk.com purchases when using your Belk Rewards Credit Card, once you achieve Belk Premier status.

Belk Rewards Points Earning (Elite Tier)
4 points per $1

Earn 4 Belk Rewards Points for every $1 spent on qualifying purchases at Belk stores and belk.com once you achieve Belk Elite status.

Free Standard Shipping (Elite Tier)
Free standard shipping

Receive free standard shipping on belk.com purchases when using your Belk Rewards Credit Card, once you achieve Belk Elite status.

Annual Spending Bonus (Elite Tier)
Varies (e.g., $25 Belk Rewards Dollars)

Receive a special annual bonus offer or reward (e.g., Belk Rewards Dollars) once you achieve Belk Elite status.

Return Without Receipt (Elite Tier)
N/A

Ability to return merchandise purchased with your Belk Rewards Credit Card without a receipt, once you achieve Belk Elite status.

Status Benefits 2
Belk Premier Status Eligibility
Spend $300-$1,499 annually

Achieve Belk Premier status by spending $300-$1,499 annually on your Belk Rewards Credit Card, unlocking enhanced benefits.

Belk Elite Status Eligibility
Spend $1,500+ annually

Achieve Belk Elite status by spending $1,500 or more annually on your Belk Rewards Credit Card, unlocking top-tier benefits.

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
Authorized User Fee: $0.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If your promotional offer includes deferred interest, interest will be imposed on the promotional balance from the date of purchase or the beginning of the promotional period. If you pay the promotional balance in full by the promotional period expiration date, this accrued interest will not be charged to your account. If you do not pay the promotional balance in full by the promotional period expiration date, all of the accrued interest will be added to your account balance.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Application Eligibility: Applicants must be 18 years or older, possess a valid U.S. Social Security Number or ITIN, maintain a U.S. mailing address, and meet Synchrony's creditworthiness criteria. Bonus/Rewards: New cardholders typically receive a one-time discount (e.g., 20% off) on their first Belk purchase. Ongoing rewards involve earning points per dollar spent at Belk, which convert into Belk Rewards Dollars. Higher cardholder tiers (e.g., Premier, Elite) may offer enhanced earning rates, exclusive discounts, and birthday offers.

Max Cards Per Issuer: 6

Min Spend Interval: Not applicable for a bonus in the traditional sense; initial discounts are typically applied to the first purchase, and ongoing rewards are spend-based.

Shutdown Risk Triggers: High credit utilization on the card, consistent late payments, defaulting on other Synchrony accounts, significant derogatory changes to credit report (e.g., bankruptcy), or suspected fraudulent activity. Manufactured spending is generally not a concern for this type of store card.

Cliff Effect Rules: Not applicable. The Belk Rewards Credit Card does not belong to a complex card family with specific 'cliff effect' rules. While there may be different versions (e.g., store card vs. co-branded Mastercard), these are distinct products rather than a tiered family with shared benefits/limits.

Special Events: Exclusive cardholder-only sales events, double or triple points days, early access to promotions, birthday discounts, and special financing offers on large purchases at Belk.

Holiday Promos: Significant promotional activity and enhanced rewards during major shopping holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, and seasonal clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.3 / 5.0

Top Positive:
Frequent shoppers benefit from strong rewards and special financing at Belk, along with exclusive discounts and relatively easy approval for the store-only version. Points accumulate quickly for those who regularly shop at Belk.

Top Negative:
High APR, perceived poor customer service from Synchrony, rewards limited to Belk, and occasional issues with online account management are common complaints. Some users also report difficulty with credit limit increases.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Macy's Credit Card
  • Kohl's Charge
  • JCPenney Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $125.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0