Belk Rewards+ Mastercard

Synchrony Mastercard Pending

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20

Benefits

3

Reward Categories

3x

Max Reward

32%

APR From
Basic Information
PENDING

Program ID: belk-rewards-plus-mastercard

Issuer: Synchrony

Card Name: Belk Rewards+ Mastercard

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 16:38

Last Scraped: Feb 16, 2026 16:41

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Belk Purchases 3x Points Purchases made at Belk stores or belk.com with your Belk Rewards+ Mastercard. No Cap
Gas & Groceries 2x Points Purchases made at gas stations and grocery stores with your Belk Rewards+ Mastercard. No Cap
All Other Purchases 1x Points All other purchases made everywhere else Mastercard is accepted with your Belk Rewards+ Mastercard. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 2x

Bonus Rate: 5x

Categories: Belk purchases

Quarterly Rotating: No

Expiration Policy: Belk Rewards Dollars expire 365 days from the date they are issued.

Point Value: 0.01¢

Redemption Penalties: Minimum redemption of 1,000 points for $10 Belk Rewards Dollars. Rewards Dollars can only be redeemed for merchandise at Belk stores or belk.com and cannot be used for gift cards, salon services, certain leased departments, or redeemed for cash.

Benefits & Protections (Detailed) 20 Total
PENDING
Shopping 8
Belk Purchases Points Earning (Base)
3 points per $1

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

Gas & Groceries Purchases Points Earning
2 points per $1

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

General Purchases Points Earning
1 point per $1

Earn 1 point for every $1 spent on eligible purchases everywhere else Mastercard is accepted.

Points Redemption for Belk Reward Dollars
$10 for 1,000 points

Convert 1,000 accumulated points into $10 Belk Reward Dollars, which can be used for purchases at Belk.

Birthday Discount (Base)
20% off

Receive a 20% discount on eligible purchases any day during your birthday month.

Exclusive Savings Events Access (Base)
Access to exclusive events

Gain access to special savings events and promotions exclusively for Belk Rewards+ members.

Free Standard Shipping (Base)
Free standard shipping

Enjoy free standard shipping on all orders placed on Belk.com.

Bonus Points Events (Base)
Extra points

Opportunity to earn additional bonus points during special promotional events.

Status Benefits 12
Premier Status Belk Purchases Points Earning
4 points per $1

As a Premier member (achieved by spending $600-$1499.99 annually on the card), earn 4 points for every $1 spent on eligible purchases at Belk stores or Belk.com.

Premier Status Birthday Discount
20% off

As a Premier member, receive a 20% discount on eligible purchases any day during your birthday month.

Premier Status Free Standard Shipping
Free standard shipping

As a Premier member, enjoy free standard shipping on all orders placed on Belk.com.

Premier Status Exclusive Savings Events Access
Access to exclusive events

As a Premier member, gain access to special savings events and promotions.

Premier Status Bonus Points Events
Extra points

As a Premier member, opportunity to earn additional bonus points during special promotional events.

Elite Status Belk Purchases Points Earning
5 points per $1

As an Elite member (achieved by spending $1500+ annually on the card), earn 5 points for every $1 spent on eligible purchases at Belk stores or Belk.com.

Elite Status Birthday Discount
20% off

As an Elite member, receive a 20% discount on eligible purchases any day during your birthday month.

Elite Status Free Standard Shipping
Free standard shipping

As an Elite member, enjoy free standard shipping on all orders placed on Belk.com.

Elite Status Exclusive Savings Events Access
Access to exclusive events

As an Elite member, gain access to special savings events and promotions.

Elite Status Bonus Points Events
Extra points

As an Elite member, opportunity to earn additional bonus points during special promotional events.

Elite Status Free Gift Wrap
Free gift wrap

As an Elite member, receive complimentary gift wrapping services on eligible Belk purchases.

Elite Status Free Basic Alterations
Free basic alterations

As an Elite member, receive complimentary basic alteration services on eligible 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
Additional Fees
PENDING
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 31.99% - 31.99%

Cash Advance APR: 32.99%

Intro APR Offers

Intro Purchase APR: 0%

Promo Financing: Deferred Interest

⚠️ These offers are typically deferred interest promotions, meaning if you don’t pay off the full balance by the end of the promotional period, you’ll be charged interest from the original purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Not specified
All three major bureaus
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Belk Rewards Plus Mastercard requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a fair to good credit history. Approval is solely at the discretion of Synchrony Bank, based on a comprehensive credit assessment that includes existing credit lines and overall credit profile. The typical sign-up bonus for 2026 is projected to include a first-purchase discount (e.g., 20% off) and may offer a small statement credit after meeting a low spend threshold within the first 90 days of account opening. Store-specific restrictions and promotional terms apply to all offers.

Max Cards Per Issuer: 7

Min Spend Interval: N/A for primary first-purchase discount; typically 90 days for any spend-based bonus.

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony cards within a short period, suspicious spending patterns (e.g., large returns without corresponding purchases, unusual gift card purchases), failure to make timely payments, or extended periods of account inactivity.

Cliff Effect Rules: Synchrony Bank evaluates each credit card application individually based on the applicant's creditworthiness and overall credit exposure. There is no strict 'cliff effect' rule similar to Chase's 5/24. However, applicants with a high number of existing credit lines, particularly with Synchrony or other issuers, may face denials or receive lower starting credit limits due to concerns about cumulative credit exposure.

Special Events: Friends & Family Sales, Semi-Annual Sales, One-Day Sales, Bonus Rewards Days, Private Shopping Events, Loyalty Tier Upgrade Events.

Holiday Promos: Black Friday/Cyber Monday (November-December), Christmas/Holiday Season (December), New Year's Sales (January), Mother's Day (May), Father's Day (June), Back-to-School (July-August), Memorial Day (May), Labor Day (September).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Excellent rewards and discounts for frequent Belk shoppers, easy to earn points and redeem for savings, good for building credit.

Top Negative:
High interest rates if balances are carried, rewards primarily limited to Belk purchases, some users report issues with Synchrony customer service.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Kohl's Charge
  • Target RedCard
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $180.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0