Belk Rewards Mastercard®
Basic Information
Program ID: belk-rewards-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:06
Last Scraped: 01/15/2026 09:33
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% 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% - 2,924.00%
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: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $500.00
Time Period: 1 days
Bonus Timing: Applied instantly at checkout on qualifying purchases made on the day your account is opened, up to the maximum savings.
Rewards Program
Reward Type: Belk Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x Belk Purchases (Elite Status), 3x Belk Purchases (Standard/Premier Status), 2x Gas, 2x Groceries
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after they are earned if not redeemed. Issued Belk Rewards Dollars typically have a shorter expiration (e.g., 30-90 days).
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Application Eligibility: Must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to Synchrony's credit underwriting standards, typically requiring fair to good credit. Bonus Rule: New cardholders often receive an immediate discount (e.g., 20% off) on their first Belk purchase made with the card. Ongoing rewards include earning Belk Rewards points on all Belk purchases, which convert to Belk Rewards Dollars. Higher spending tiers (Belk Premier, Belk Elite) offer enhanced point earning rates and additional benefits.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional sign-up bonus; initial discounts are typically immediate on first purchase.
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, late payments or defaults on any Synchrony account, rapid application for multiple Synchrony cards in a short period, suspicious or fraudulent activity, abuse of promotional financing offers, and prolonged inactivity on some Synchrony cards while heavily utilizing others.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Good rewards for frequent Belk shoppers, easy approval for credit building, special financing options, and exclusive discounts.
Top Negative Feedback:
High APR, poor customer service from Synchrony Bank, rewards can expire or be difficult to redeem, and limited use if store-only version.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Macy's Credit Card
- Kohl's Charge
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% General / 60% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023