SuperMoney
  Belk Elite Rewards MasterCard

Belk Elite Rewards MasterCard

in Personal Credit Cards from Synchrony Bank

Unaffiliated

Belk Elite Rewards MasterCard

Unaffiliated

in Personal Credit Cards from Synchrony Bank

Net Recommendation Score -33%

SUPERMONEY NET RECOMMENDATION SCORE

-33%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
1 user recommends
0 users are unsure
2 users don't recommend
Cast your vote
Cast your vote

Would you recommend Belk Elite Rewards MasterCard to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) 25.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Belk Elite Rewards MasterCard Review

If you're wondering whether Belk Elite Rewards MasterCard is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Signup bonus. Offers a signup bonus of $10 if you spend $1.
  • Signup bonus. Offers a signup bonus of 1000 points after spending $1 that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.49%
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Belk Elite Rewards MasterCard Pros and Cons:

The Good The Bad
  • No annual fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Belk Elite Rewards MasterCard reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card rewards.

Is there a Belk Elite Rewards MasterCard cash back or rewards program?

Belk Elite Rewards MasterCard is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Belk Elite Rewards MasterCard you receive 5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $50 back in cash.

Belk Elite Rewards MasterCard Rewards
Rewards rate (all purchases) 5%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) $10
Signup Bonus (Points/Miles) 1000
Signup Bonus Spend Requirement $1

Does Belk Elite Rewards MasterCard have a signup bonus?

Yes, Belk Elite Rewards MasterCard offers card users a signup bonus worth up to $10 after spending $1. However, it does include a 1000 points signup bonus after spending $1 that can be redeemed for travel, gifts, or other perks.

Does Belk Elite Rewards MasterCard offer an annual loyalty bonus?

Belk Elite Rewards MasterCard doesn't offer a cash loyalty bonus.

What are the Belk Elite Rewards MasterCard benefits?

Belk Elite Rewards MasterCard provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Belk Elite Rewards MasterCard?

Belk Elite Rewards MasterCard is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.

What are the fees for Belk Elite Rewards MasterCard?

The following fees apply to Belk Elite Rewards MasterCard:

Belk Elite Rewards MasterCard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee $38

Does Belk Elite Rewards MasterCard have a foreign transaction fee?

Belk Elite Rewards MasterCard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Belk Elite Rewards MasterCard report your account activity to credit bureaus?

Belk Elite Rewards MasterCard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Belk Elite Rewards MasterCard

  • Visit the Belk Elite Rewards MasterCard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1% back in rewards anywhere Mastercard is accepted.
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 29.99%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Card Type
  • Bonus Offers
  • Cashback
  • Charge Card
  • Rewards
  • Store Card
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
Fraud Liability  
Credit Card Benefits Fraud Liability
Bonus Rewards 20% off all day on the day an account is opened. (15% off home/shoes)
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Retail
Signup Bonus (points) 1,000
Signup Bonus $10
Rewards Type Points
Cash Advance APR (Variable APR) 29.99%
Balance Computation Daily Balance
Purchase APR (Variable APR) 25.49%

Belk Elite Rewards MasterCard Community Reviews

 

Would you recommend Belk Elite Rewards MasterCard to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

-33%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

sorted by

Other Personal Credit Cards

Deserve Edu Mastercard for Students
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

4 Reviews

Synchrony Bank Personal Credit Cards

Loading...