Skip to content

Belk Rewards Mastercard®️

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

A decent choice if you want to save some dollars at Belk, this card offers perks like monthly and annual savings events plus an evolving rewards program. The more you spend per year at Belk, the more rewards you earn.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 25.49%

Belk Rewards Mastercard®️

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 3% back in rewards at Belk and
  • 2% back in rewards on:
    • Groceries
    • Fuel
  • 1% back in rewards on every other purchase


Introductory Bonus
  • Up to 25% off at Belk; $10 in Belk rewards dollars after your first purchase

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 29.99%
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
Belk Rewards Mastercard®️


  • 3% back in rewards at Belk and
  • 2% back in rewards on groceries and fuel
  • 20% off coupon provided after account is opened
  • $10 in Belk rewards when you make a purchase on the day of account opening
  • Exclusive savings events every year
  • Receipt-free returns
  • Member savings day every month
  • Early access to in-store promotions and bonus reward events
  • No annual fee
  • 3% foreign transaction fee


Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

866-226-5638 or

Try a different phone number
See all Issuer Cards

Whether you spend a lot or a little, this card could help you save a good handful of $$$ if the Belk department store is in your shopping rotation.

You’ll earn 3% back in Belk rewards at Belk and, 2% back in rewards on groceries and fuel, and 1% back on every other purchase. Once you spend over $599 per year at Belk, that 3% goes up to 4%, and then it goes up to 5% once you spend over $1,499 per year.

You’ll also get some discount days throughout the year, access to in-store events, and receipt-free returns.

This card has a 3% foreign transaction fee and no annual fee.

Looking for the basic Belk store card? Check out the Belk Rewards Credit Card.

Scroll to top