Belk Rewards Mastercard
Basic Information
Program ID: belk-rewards-master-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:20
Last Scraped: 01/15/2026 09:49
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: | N/A |
| 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% - 2,999.00%
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: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: As of January 2026, the Belk Rewards Mastercard does not prominently advertise a traditional sign-up bonus (e.g., a fixed amount of points or cash back for spending a specific dollar amount within a set timeframe) that directly maps to the 'SignupBonusAmount' and 'SignupBonusRequirementAmount' fields of the model. The primary welcome offer for new Belk cardmembers is '20% off your first day's purchases', which is an immediate discount applied at checkout, rather than a deferred bonus with a spending requirement.
Rewards Program
Reward Type: Belk Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Belk Purchases, 2x Gas & Groceries
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after account inactivity. Reward Dollars expire 90 days after issuance.
Transfer Partners: N/A (Store-specific rewards)
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion
Issuer Rules
Rules: The Belk Rewards Mastercard, issued by Synchrony, is projected to maintain its core structure for 2026. Eligibility requirements typically include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and meeting Synchrony's creditworthiness criteria (generally good to excellent credit for a Mastercard product). Applicants may be denied if they have too many recent credit inquiries or existing Synchrony accounts with high credit exposure. New cardholder bonuses often include a percentage discount on the first purchase (e.g., 20% off) and/or bonus Belk Rewards points. Ongoing benefits include earning accelerated points on Belk purchases (e.g., 3-4 points per $1), bonus points on select categories like gas and groceries (e.g., 2 points per $1), and 1 point per $1 on all other eligible purchases. Cardholders also receive exclusive discounts, special financing offers, and birthday rewards. Existing Belk cardholders may be upgraded to the Mastercard version based on spending and credit history.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (though less common for this card), high cumulative credit limit across Synchrony accounts, sudden and uncharacteristic spending patterns, multiple recent credit applications (especially with Synchrony), missed payments or significant derogatory marks on credit report, suspected fraud or account abuse, bankruptcy.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Excellent for frequent Belk shoppers, offering good rewards and special financing options within the store. The card provides extra savings and exclusive discounts for loyal customers.
Top Negative Feedback:
High Annual Percentage Rate (APR) and frequent complaints about Synchrony Bank's customer service. Rewards are limited to Belk purchases and can sometimes be difficult to redeem.
Approval Experience Score: 68.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Citi Custom Cash Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $170.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024