Belk Rewards Mastercard®
Basic Information
Program ID: belk-rewards-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:08
Last Scraped: 01/15/2026 09:35
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 $5 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% - 2,999.00%
Intro Purchase APR: 0.00%
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $5,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after the spending requirement is met, points are posted to your Belk Rewards account.
Rewards Program
Reward Type: Points (redeemable for Belk Reward Dollars)
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Belk, 2x Gas, 2x Groceries
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing. Belk Reward Dollars expire 365 days from the date of issuance.
Transfer Partners: N/A - No transfer partners
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Belk Rewards Mastercard, issued by Synchrony, is expected to maintain its core eligibility and bonus structure. Eligibility typically requires applicants to be 18 years or older, a U.S. resident with a valid SSN or ITIN, and possess a good to excellent credit score (generally FICO 670+). Applicants must also demonstrate sufficient income to manage new credit. The primary bonus rule often involves an initial discount on the first purchase made with the card (e.g., 20% off) or a small statement credit after meeting a minimal spend threshold. Synchrony generally allows new applications every 3-6 months, though this is not a strict rule and depends heavily on the applicant's overall credit profile and recent credit activity.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: High credit utilization across Synchrony accounts, missed or late payments, opening too many Synchrony accounts in a short period, suspected fraudulent activity, significant adverse changes in credit profile, or exceeding Synchrony's internal cumulative credit limit.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Frequent Belk shoppers appreciate the exclusive discounts and rewards, with many finding it a good option for building or rebuilding credit due to its relatively accessible approval process.
Top Negative Feedback:
Common complaints include high APRs, perceived poor customer service from Synchrony Bank, and the limited utility of rewards outside of Belk, making it less appealing for non-frequent shoppers.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Kohl's Charge Card
- Capital One QuicksilverOne Cash Rewards Credit Card
- Target RedCard
Card Value Score: 60.0 / 100
Est. Annual Rewards: $205.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 60% General / 40% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024