Last Updated: 05/14/2026
SuperMoney User Recommendation Score -20
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Belk Elite Rewards MasterCard Review
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?
| Description |
Does Belk credit card have a signup bonus?
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?
- 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
What is the support contact email for Belk credit card?
How do people rate the customer service and user experience of Belk credit card?
Does Belk Elite Rewards MasterCard report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Synchrony Bank perform a hard credit pull?
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.
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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.
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300
850
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300
850
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Purchase APR
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300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
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Purchase APR
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Credit Score Range
300
850
Annual Fee
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N/A
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
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SuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -20, or 2.6 on a 5-point rating scale.
-20
Belk Elite Rewards MasterCard Community Reviews
Would you recommend Belk Elite Rewards MasterCard to your friends?
Dale F.
Jul 20, 2022
May or may not recommend
Adelaide H.
Jan 31, 2022
May or may not recommend
James T.
Jun 26, 2020
May or may not recommend
Mary R.
Aug 13, 2019
May or may not recommend
Sharon C.
Aug 6, 2019
May or may not recommend
Showing 5 of 5 reviews
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