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  Belk Elite Rewards Credit Card

Belk Elite Rewards Credit Card

in Personal Credit Cards

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Belk Elite Rewards Credit Card

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

Belk Elite Rewards Credit Card is a store credit card issued by Synchrony Bank, which is based in Draper, UT. 

Belk Elite Rewards Credit Card is designed for people with a credit score of 650 to 840. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks.

What are the relevant APRs?

Belk Elite Rewards Credit Card has a variable purchase APR of 25.49%.

It also has a variable cash advance APR of 29.99%.

Is an introductory APR offer available?

No, Belk Elite Rewards Credit Card does not come with an introductory APR offer for balance transfers.

Belk Elite Rewards Credit Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Belk Elite Rewards Credit Card:

  • A late payment penalty of $38.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

Belk Elite Rewards Credit Card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Gas
  • Groceries
  • Retail

Is a signup bonus offered?

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

Is an annual loyalty bonus offered?

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

What additional benefits are offered?

 Belk Elite Rewards Credit Card provides the following benefits:

  • Fraud Liability

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  • Contact

    • Headquarters
    •   170 West Election Road, Suite 125
      Draper, UT 84020 USA

    Availability

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

    Grace Period for Late Payment (Days) 23
    Late Payment Penalty $38
    Minimum Interest Charge $1
    Cash Advance Fee ($) Starting at $10
    Cash Advance Fee (%) 29.99%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 3%
    Minimum Age 18
    Credit Score Range 650 - 840
    850 300 650
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Fraud Liability  
    Credit Card Benefits
    • Fraud Liability
    Bonus Rewards 20% off all day on the day an account is opened. (15% off home/shoes)
    All Other Purchases -Spend $1500+ per year at Belk Earn 5% Back in Rewards¹ at Belk or Belk.com (5 Points per $1 spent) 2% back in rewards on grocery and fuel purchases. -20 Exclusive Savings Events Each Year -Birthday Coupon -Early Access to In Store Promotions and Events -Cardholder Savings Day of the Month -Invitation Only Premier Savings Days -Free Shipping In Store and at Belk.com -Quarterly 20% Off Pick Your Own Sale Day -4 Invitation Only Elite Savings Days
    Every Purchase 1% back in rewards anywhere Mastercard is accepted.
    Rewards Categories
    • Every Purchase
    • Gas
    • Groceries
    • Retail
    Signup Bonus $10
    Signup Bonus (points) 1,000
    Purchase APR (Variable APR) 25.49%
    Cash Advance APR (Variable APR) 29.99%
    Balance Computation Daily Balance

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