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.

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.

This card features rewards for purchases in the following categories:

• Every Purchase
• Gas
• Groceries
• Retail

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

What are the Belk Elite Rewards MasterCard benefits?

Belk Elite Rewards MasterCard provides the following benefits:

• 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 Belk Elite Rewards MasterCard fees?

No Annual Fee. Belk Elite Rewards MasterCard does not charge an annual fee.

3% Foreign transaction fees. 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.

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 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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Belk Elite Rewards MasterCard

• Visit the Synchrony Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.