Belk Rewards+ Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 3x

Point Value~0.01¢ each

Travel Portal1x

ExpirationPoints do not expire as long as your Account is open and in good standing. Reward Dollars expire 365 days from the date of issuance.

Redemption NotesReward Dollars may not be used as payment on your Account, for gift cards, or for prior purchases. Reward Dollars are not transferable and have no cash value. Reward Dollars may not be combined with any other Belk Rewards Program offer. Reward Dollars may not be used for purchases at Belk.com when using PayPal or Apple Pay.

Category	Rate	Type	Cap
Online Shopping Purchases made at Belk stores or belk.com with the Belk Rewards+ Mastercard	3x	Points	No cap
Gas Purchases at gas stations with the Belk Rewards+ Mastercard	2x	Points	No cap
Groceries Purchases at grocery stores with the Belk Rewards+ Mastercard	2x	Points	No cap
All Other Purchases All other eligible purchases where Mastercard is accepted with the Belk Rewards+ Mastercard	1x	Points	No cap
Online Shopping Purchases made at Belk stores or belk.com with the Belk Rewards+ Card (store card)	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Exclusive Financing Offers Access to exclusive financing offers on qualifying purchases.	Financing	—
Belk Rewards Certificate Redemption For every 1,000 Belk Rewards Points earned, you will receive a $10 Belk Reward Certificate. Certificates expire 30 days from the date of issuance.	Rewards	$10 per 1,000 points Up to $10
Belk Rewards Points Earning Rate (All Other Purchases) For Belk Rewards+ Mastercard Cardmembers: Earn 1 Belk Rewards Point for every $1 spent on qualifying purchases everywhere else Mastercard is accepted.	Rewards	1 point per $1
Belk Rewards Points Earning Rate (Belk Purchases) Earn 2 Belk Rewards Points for every $1 spent on qualifying purchases at Belk stores and Belk.com.	Rewards	2 points per $1
Belk Rewards Points Earning Rate (Select Outside Purchases) For Belk Rewards+ Mastercard Cardmembers: Earn 3 Belk Rewards Points for every $1 spent on qualifying purchases outside Belk (e.g., gas and groceries).	Rewards	3 points per $1
Mastercard ID Theft Protection™ For Belk Rewards+ Mastercard Cardmembers: Provides you with services to help detect and resolve identity theft. Services include identity monitoring, alerts, and resolution services. To enroll, visit mastercardus.idtheftinfo.com.	Security	—
Zero Liability Protection For Belk Rewards+ Mastercard Cardmembers: Pay only for purchases you have authorized. Unauthorized purchases are not your responsibility.	Security	—
Birthday Offer Receive a special discount offer during your birthday month.	Shopping	Special discount
Exclusive Special Savings Events Access to special savings events exclusively for Belk Rewards+ Cardmembers.	Shopping	—
First Day Purchase Discount Get 20% off your first day's purchases when you open and use your Belk Rewards+ Card.	Shopping	20% off
Free Standard Shipping Receive free standard shipping on Belk.com purchases with no minimum purchase required.	Shopping	Free standard shipping
Global Service For Belk Rewards+ Mastercard Cardmembers: Get emergency assistance virtually anytime, anywhere and in any language. This includes reporting a lost or stolen card, obtaining an emergency card replacement or cash advance, finding an ATM, and answering questions about your account.	Travel	—

Interest Rates

Purchase APR29.99% Variable

Min. Interest Charge$2

Deferred Interest Warning: No Interest if paid in full within 6 or 12 Months on qualifying purchases of $200 or more. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months. Minimum monthly payments required. The APR for Purchases is 29.99% Variable.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 7 cards from this issuer simultaneously.

Shutdown Risk Triggers

High cumulative credit limit across Synchrony accounts, prolonged account inactivity, late payments or defaults on any Synchrony account, excessive returns or credit abuse, rapid accumulation of multiple new Synchrony accounts within a short period.

Cliff Effect Rules

The Belk Rewards Plus Card represents a higher tier within the Belk Rewards program. While there isn't a direct 'cliff effect' preventing applications for other Synchrony cards, approval for this card contributes to your overall credit exposure with Synchrony, which may influence future application outcomes. It is generally considered an upgrade from the basic Belk Rewards Card.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility for the Belk Rewards Plus Card requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number. Approval is contingent upon a credit check and creditworthiness as determined by Synchrony Bank. New cardholders receive a one-time 20% discount (up to $100 value) on their first day's purchases upon account opening. This card is exclusively for use at Belk stores and Belk.com.

Belk Rewards+ Credit Card