6
Benefits3
Reward Categories3x
Max Reward32.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Belk Purchases | 3x | Points | Purchases made at Belk stores or belk.com | No Cap | |
| Gas & Groceries | 2x | Points | Purchases at gas stations and grocery stores | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases where Visa is accepted | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 3x
Categories: All purchases at Belk
Quarterly Rotating: No
Expiration Policy: Points expire 12 months from the date they are earned.
Point Value: 0.01¢
Redemption Penalties: Belk Rewards Dollars cannot be used for gift cards, services, or previous purchases.
Benefits & Protections (Detailed) 6 Total
PENDINGLifestyle 1
Birthday Discount Offer
Special discountReceive a special discount offer during your birthday month as a Belk Rewards+ cardholder.
Shopping 5
Belk Rewards Points Earning (In-store & Online)
3 points per $1Earn 3 Belk Rewards points for every $1 spent on qualifying purchases made at Belk stores and Belk.com with your Belk Rewards+ Credit Card.
Belk Rewards Dollars Redemption
$10 per 1,000 pointsRedeem accumulated Belk Rewards points for Belk Rewards Dollars. 1,000 points convert to $10 Belk Rewards Dollars, which can be used towards purchases at Belk.
Exclusive Cardholder Savings Events
Access to exclusive salesGain access to special sales and savings events available exclusively to Belk Rewards cardholders throughout the year.
Free Standard Shipping on Belk.com
Free standard shippingBelk Rewards+ cardholders receive free standard shipping on all purchases made on Belk.com.
Special Financing Offers
Special financingAccess to special financing promotions on qualifying purchases made at Belk. Terms and conditions apply to specific offers.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Cash Advance APR: 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 18 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Projected for 2026: Application eligibility requires applicants to be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number or ITIN. Approval is subject to Synchrony Bank's creditworthiness assessment, typically requiring fair to good credit for the 'Plus' tier. The primary initial bonus is generally a percentage discount (e.g., 20-25%) on the first purchase made with the card on the day of approval. Ongoing rewards include earning points on Belk purchases, which convert to Belk Rewards Dollars. The 'Plus' tier usually offers an accelerated earning rate compared to the basic Belk Rewards card and may include additional benefits like special savings events or birthday offers. These benefits are exclusively for purchases made at Belk stores or Belk.com.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable for traditional sign-up bonus; initial discount applies to first purchase. Promotional spend bonuses, if any, typically have short intervals (e.g., 30-60 days).
Cliff Effect Rules: The Belk Rewards program operates on a tiered system: Belk Rewards, Belk Rewards Plus, and Belk Rewards Premier. The 'Belk Rewards Plus' card is an intermediate tier. Progression to a higher tier (Premier, often a co-branded Mastercard) is typically based on annual spending at Belk (e.g., $600+ for Plus, $1500+ for Premier). Benefits improve with each tier (e.g., higher points earning, more exclusive discounts). Downgrading or losing 'Plus' status means reverting to a lower tier with fewer benefits, usually due to not meeting annual spending thresholds.
Special Events: Projected for 2026: Frequent cardholder-exclusive discounts (e.g., extra percentage off), bonus points events (e.g., 2x, 3x, 5x points on specific purchases), early access to major sales, birthday offers, and invitations to private shopping events.
Holiday Promos: Projected for 2026: Major retail holidays such as Mother's Day, Father's Day, Back-to-School, Labor Day, Memorial Day, Black Friday/Cyber Monday Week (most significant), Christmas/Holiday Season (including 'Friends & Family' events), and New Year's/Post-Holiday Sales.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 2.8 / 5.0
Top Positive:
Easy approval, good discounts and rewards for frequent Belk shoppers, special financing, and birthday perks.
Top Negative:
High interest rates, poor customer service, limited value outside of Belk, and issues with credit limit increases.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Capital One Platinum
- Amazon Store Card
- Discover it Secured
Card Value Score: 55.0 / 100
Est. Annual Rewards: $120.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023