Belk Rewards Mastercard®

Synchrony Mastercard Belk Rewards Mastercard Pending

Back Apply Now

16

Benefits

4

Reward Categories

3x

Max Reward

30%

APR From

Basic Information

PENDING

Program ID: belk-rewards-master-card

Issuer: Synchrony

Card Name: Belk Rewards Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: Belk Rewards Mastercard

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:20

Last Scraped: Feb 07, 2026 05:46

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Belk Purchases	3x	Points	Purchases made at Belk stores or belk.com with your Belk Rewards Mastercard	No Cap
Gas	2x	Points	Purchases at gas stations with your Belk Rewards Mastercard	No Cap
Groceries	2x	Points	Purchases at grocery stores with your Belk Rewards Mastercard	No Cap
All Other Purchases	1x	Points	All other purchases everywhere Mastercard is accepted with your Belk Rewards Mastercard	No Cap

Rewards Summary

PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: Belk purchases

Quarterly Rotating: No

Expiration Policy: Belk Rewards Dollars expire 30 days from the date of issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Belk Rewards Dollars cannot be used for gift cards, services, or previous purchases. Minimum redemption of $10 Belk Rewards Dollars may apply.

Benefits & Protections (Detailed) 16 Total

PENDING

Customer Service 1

Dedicated Customer Service Line

Belk Rewards Premier Cardholders have access to a dedicated customer service line. Premier status requires $1500 annual spend at Belk.

Lifestyle 3

Fashion & Home Events Access

Access to special fashion and home events.

Free Basic Alterations

Free

Belk Rewards Premier Cardholders receive free basic alterations on Belk purchases. Premier status requires $1500 annual spend at Belk.

Free Gift Wrapping

Free

Belk Rewards Premier Cardholders receive free gift wrapping on Belk purchases. Premier status requires $1500 annual spend at Belk.

Shopping 12

Belk Purchases Points

2 points per $1

Earn 2 points for every $1 spent on purchases at Belk stores and Belk.com.

Gas & Groceries Points

2 points per $1

Earn 2 points for every $1 spent on gas and groceries.

Everyday Purchases Points

1 point per $1

Earn 1 point for every $1 spent on all other purchases where Mastercard is accepted.

Belk Reward Dollars Redemption

$10 per 1,000 points

Redeem 1,000 points for $10 in Belk Reward Dollars.

Birthday Discount

20% off

Receive a special discount offer during your birthday month.

Exclusive Savings Events Access

Access to exclusive savings events for cardholders.

Special Financing Promotions

Varies by offer

Access to special financing offers on qualifying purchases.

Free Standard Shipping on Belk.com

Free shipping

Receive free standard shipping on Belk.com with any Belk Rewards Credit Card purchase.

Return Without Receipt

Ability to return items purchased with the Belk Rewards Credit Card without a physical receipt.

Bonus Points Events Participation

Varies by event

Opportunity to earn additional points during special bonus points events.

Cardholder-Only Savings

Varies by offer

Access to savings and promotions exclusive to Belk Rewards Credit Cardholders.

Early Access to Sales

Receive early access to sales events 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
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 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

Recommended FICO Score

670 - 850

Approval Odds

Very Good

Soft Pull Support

Not specified

Application Process

Prequalification

Not specified

Preapproval

Not specified

Credit Bureau

Experian, Equifax, TransUnion

Issuer Rules & Policies

PENDING

Rules: The Belk Rewards Mastercard is issued by Synchrony Bank. Eligibility requirements for 2026 are projected to include: U.S. residency, age 18+ (19+ in AL/NE), a valid Social Security Number or ITIN, and a good to excellent credit history. Applicants must also demonstrate sufficient income to support the credit line. Bonus rules typically involve a percentage off the first purchase made with the card (e.g., 20% off) and may include bonus points for meeting a specific spending threshold within the initial months (e.g., 1,000 bonus points for $500 spend). Points are earned at a tiered rate (e.g., 3-4 points per $1 at Belk, 2 points per $1 on gas/groceries, 1 point per $1 everywhere else) and convert to Belk Rewards Dollars.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high credit utilization on Synchrony accounts, rapid credit line increase requests, opening too many Synchrony accounts in a short period, defaulting on other Synchrony accounts, high cumulative credit limit across all Synchrony accounts relative to income, suspected fraud or account abuse.

Cliff Effect Rules: The Belk Rewards program typically operates on a tiered system (Belk Rewards Card - store-only, and Belk Rewards Mastercard). Cardholders generally cannot hold both the store-only card and the Mastercard version simultaneously. Upgrading from the store-only card to the Mastercard is common and usually results in the closure of the store-only account, with all benefits and points transferring to the Mastercard. Benefits and reward tiers are tied to the highest-tier card held.

Special Events: Frequent bonus points days (e.g., 2x, 3x, 5x points on Belk purchases), special promotional financing offers (e.g., 0% APR for 6, 12, or 18 months on qualifying purchases), exclusive cardholder discounts (e.g., extra 10-20% off during specific sales events), and early access to sales.

Holiday Promos: Black Friday/Cyber Monday (Nov-Dec), Christmas/Holiday Season (Nov-Dec), Mother's Day (May), Father's Day (June), Back-to-School (July-Aug), Memorial Day (May), Labor Day (Sept), and various Friends & Family events throughout the year.

International Friendly: No

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Card offers good rewards for frequent Belk shoppers, including special financing options and exclusive discounts. Many users find it relatively easy to get approved.

Top Negative:
Frequent complaints about high APR, poor customer service from Synchrony Bank, difficulties managing the account online, and rewards being limited to Belk purchases.

Approval Experience: 70.0 / 100

Recommended Alternatives

Macy's Credit Card
Kohl's Charge
Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $342.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: Effective January 2024