THE CARDTUNED DATABASE
Belk Rewards Credit Card
Issuer: Synchrony · Network: Varies
Tiered Belk Rewards points on eligible purchases; every 500 points automatically converts to $5 in Belk Reward Dollars; 10 points per $1 on eligible Beauty & Fragrance purchases
- Annual fee
- $0
- Foreign transaction fee
- 3% on Mastercard version; not applicable to store-card version
- Intro APR
- No public account-wide introductory APR listed; verify the live application.
- Regular APR
- 34.99% purchase APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
20% or 25% off first-day purchases if approved immediately; 20% if approved later, plus 1,000 bonus points ($10) after an opening-day purchase
- Spending requirement
- Opening-day eligible purchase
- Time window
- Account-opening day
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 10 points | per $1 on eligible Beauty & Fragrance purchases |
Additional benefits
• 1,000 bonus points ($10) after an opening-day purchase
• Tiered Insider, Premier and Elite earn rates and benefits
• Every 500 points automatically converts to $5 in Belk Reward Dollars
Restrictions to know
Applicants may receive the Belk Rewards store card or Mastercard. The first-day discount varies by approval timing and coupon; the 1,000-point bonus requires a purchase on the account-opening day. Mastercard terms include a 3% foreign-transaction fee; the store card is limited to Belk. Paper statements may incur a $1.99 monthly fee.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff