Belk Rewards Mastercard

Synchrony Mastercard Pending

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19

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: belk-rewards-mastercard

Issuer: Synchrony

Card Name: Belk Rewards Mastercard

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:08

Last Scraped: Feb 07, 2026 05:39

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony offers Servicemembers eligible for SCRA benefits a maximum annual percentage rate of 6% on their account for certain balances incurred before active duty military service.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Belk Purchases 3x Points Net Purchases made at Belk stores or belk.com No Cap
Gas 2x Points Net Purchases made at gas stations No Cap
Groceries 2x Points Net Purchases made at grocery stores No Cap
All Other Purchases 1x Points Net Purchases made everywhere else Mastercard is accepted No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 19 Total
PENDING
Financial 2
No Annual Fee
No annual fee

The Belk Rewards Mastercard has no annual fee.

Special Financing Offers

Access to special financing offers on eligible purchases made with the Belk Rewards Mastercard.

Lifestyle 1
Birthday Offer

Receive a special offer during your birthday month as a Belk Rewards Mastercard holder.

Rewards 4
Belk Rewards Points Earning - Belk Purchases
3 points per $1

Earn 3 Belk Rewards points for every $1 spent on purchases at Belk stores and Belk.com when using your Belk Rewards Mastercard.

Belk Rewards Points Earning - Gas & Groceries
2 points per $1

Earn 2 Belk Rewards points for every $1 spent on eligible gas and grocery purchases when using your Belk Rewards Mastercard.

Belk Rewards Points Earning - Other Purchases
1 point per $1

Earn 1 Belk Reward point for every $1 spent on all other purchases everywhere else Mastercard is accepted, outside of Belk, gas, and groceries.

Belk Reward Dollar Redemption
$10 per 1,000 points

Receive a $10 Belk Reward Dollar certificate for every 1,000 points earned. Certificates are redeemable on future Belk purchases.

Shopping 2
Exclusive Savings Events

Access to exclusive savings events offered to Belk Rewards Mastercard holders.

Free Standard Shipping on Belk.com
Free standard shipping

Receive free standard shipping on any purchase made on Belk.com when using your Belk Rewards Mastercard.

Status Benefits 10
Premier Status - Bonus Belk Reward Dollars Offers

As a Premier status member (achieved by spending $600-$1499 annually with your Belk Rewards Mastercard), receive additional bonus Belk Reward Dollars offers.

Premier Status - Free Basic Alterations
Free basic alterations

As a Premier status member (achieved by spending $600-$1499 annually with your Belk Rewards Mastercard), receive free basic alterations on Belk purchases.

Premier Status - Exclusive Savings Events

As a Premier status member (achieved by spending $600-$1499 annually with your Belk Rewards Mastercard), gain access to exclusive Premier-level savings events.

Premier Status - Birthday Offer

As a Premier status member (achieved by spending $600-$1499 annually with your Belk Rewards Mastercard), receive a special Premier-level birthday offer.

Elite Status - Bonus Belk Reward Dollars Offers

As an Elite status member (achieved by spending $1500+ annually with your Belk Rewards Mastercard), receive enhanced bonus Belk Reward Dollars offers.

Elite Status - Free Basic Alterations
Free basic alterations

As an Elite status member (achieved by spending $1500+ annually with your Belk Rewards Mastercard), receive free basic alterations on Belk purchases.

Elite Status - Exclusive Savings Events

As an Elite status member (achieved by spending $1500+ annually with your Belk Rewards Mastercard), gain access to exclusive Elite-level savings events.

Elite Status - Birthday Offer

As an Elite status member (achieved by spending $1500+ annually with your Belk Rewards Mastercard), receive a special Elite-level birthday offer.

Elite Status - Free Gift Wrap
Free gift wrap

As an Elite status member (achieved by spending $1500+ annually with your Belk Rewards Mastercard), receive free gift wrap on Belk purchases.

Elite Status - Triple Points Day
Triple points on one chosen day

As an Elite status member (achieved by spending $1500+ annually with your Belk Rewards Mastercard), choose your own triple points day to earn 3x points on all Belk purchases.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance 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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If your account has a deferred interest promotion, interest will be imposed on the promotional balance from the date of purchase if you do not pay the promotional balance in full by the end of the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Initial Bonus: 20% off first day's purchases (up to $100 value) when using the card, plus an additional $10 in Belk Rewards Dollars after the first purchase within 30 days. Eligibility Requirements: Applicants must be at least 18 years old (19 in AL/NE), a U.S. resident, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria (generally fair to good credit expected for the Mastercard version). Rewards earned are primarily redeemable at Belk stores or Belk.com. Promotional financing offers are also specific to Belk purchases.

Max Cards Per Issuer: 7

Min Spend Interval: 30 days

Shutdown Risk Triggers: High credit utilization across Synchrony accounts, rapid application for multiple Synchrony cards within a short period, excessive credit limit increase requests, late payments or default on any Synchrony account, suspicious spending patterns inconsistent with typical retail use, high cumulative credit limit with Synchrony relative to reported income.

Cliff Effect Rules: No explicit 'cliff effect' rules like those found with other issuers (e.g., Chase's Sapphire family). However, overall credit exposure with Synchrony, recent application history, and creditworthiness will influence approval for additional cards.

Special Events: Seasonal sales (e.g., Spring, Summer, Fall, Winter clearances), Friends & Family events, special discount days for cardholders, anniversary sales, Belk Bucks earning periods.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday season, Mother's Day, Father's Day, Valentine's Day, Back-to-School, Easter.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.7 / 5.0

Top Positive:
Easy approval, good rewards for frequent Belk shoppers, special financing offers.

Top Negative:
High APR, poor customer service from Synchrony, limited value if you don't shop at Belk often, issues with promotional terms.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Macy's Credit Card
  • Kohl's Credit Card
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 78.0 / 100

Est. Annual Rewards: $95.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0