SuperMoney
  Belk Elite Rewards MasterCard

Belk Elite Rewards MasterCard

in Personal Credit Cards from Synchrony Bank

Claimed

Belk Elite Rewards MasterCard

Claimed

in Personal Credit Cards from Synchrony Bank

Net Recommendation Score -33

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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  

1 user recommends
0 users are unsure
2 users don't recommend
Cast your vote

Would you recommend Belk Elite Rewards MasterCard to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 25.49%
Balance Transfer APR  (Variable APR) 0%
Credit Score Range 650 - 850
Annual Fee $0

Belk Elite Rewards MasterCard Review

If you're wondering whether Belk credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
  • 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 cashback card. It gives you cashback 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 will have good approval odds if your credit score is above 650.
Pros & Cons of Belk credit card
The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers .
  • No balance transfer fee.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Belk Elite Rewards MasterCard reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.
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. You will receive 5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $50 back in cash.

-->
Belk credit card Rewards
Minimum rewards rate 5x
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 credit card have a signup bonus?

Yes, it 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 credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Belk credit card benefits?

It 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?

The following fees apply:

Belk credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $0
Late Payment Fee up to $39

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 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 Belk credit card customer service number 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.

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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Belk credit card

  • Visit the Belk credit card 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

Icon for Personal Credit Cards
View all personal credit cards offered by Synchrony Bank

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

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Returned Payment Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Points on Retail
  • Points on Gas
  • Points on Groceries
  • Points on Every Purchase
Signup Bonus (points) 1,000
Signup Bonus Starting at $10
Cash Advance APR (Variable APR) 29.99%
Balance Computation Daily Balance
Purchase APR (Variable APR) 25.49%
Card Type
  • Bonus Offers
  • Cashback
  • Charge Card
  • Rewards
  • Store Card
Card Network Mastercard

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
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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

Synchrony Bank Personal Credit Cards

Loading...