Last Updated: 07/28/2025
SuperMoney User Recommendation Score -20
Mostly not recommended5 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
25.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
0%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
Belk Elite Rewards MasterCard Review
If you're wondering whether Belk Elite Rewards MasterCard is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- Signup bonus. Offers a signup bonus of up to $10.
- Welcome offer. Offers a signup bonus of 1000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.49%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible 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 up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Belk credit card
| The Good | The Bad |
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Belk credit card FAQ
Does Belk credit card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Belk credit card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $10 . However, it does include a 1000 points signup bonus that can be redeemed for travel, gifts, or other perks.
Does Belk credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Belk credit card benefits?
Belk Elite Rewards MasterCard provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Belk credit card?
This is a charge card and therefore doesn't have a regular APR or interest charges. You must pay your balance in full every month.What are the fees for Belk credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Belk credit card have a foreign transaction fee?
Belk credit card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Belk credit card?
The customer service number for Belk credit card is (866) 226-5638.
What is the support contact email for Belk credit card?
The support contact email for Belk credit card is customer.service@mail.synchronybank.com.
What is the login page for Belk credit card?
You can access the login page of Belk credit card here.
How do people rate the customer service and user experience of Belk credit card?
Overall, Belk credit card is mostly not recommended based on community reviews that rate customer service and user experience.
Does Belk Elite Rewards MasterCard report your account activity to credit bureaus?
Yes, Belk Elite Rewards MasterCard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, Belk credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Belk credit card
- Visit the website of Belk credit card.
- 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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