Belk Rewards Mastercard® from Synchrony Bank Review

Belk Rewards Mastercard® from Synchrony Bank — all information about the credit card.

Belk Rewards Mastercard® Synchrony Bank
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Our Rating:
2.2 out of 5
scorer
Recommended credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 2x Points at gas stations and grocery stores.
    • 1x Points on all other spending.
  • Intro Offer:
    • 1000x Bonus Belk Reward Points will be applied to your account (equaling $10 Belk Reward Dollars) and you will receive the $10 Belk Reward Dollars in the first billing statement when a purchase is made the day account is opened.
    • 20% Earn 20% off most Belk merchandise (for your first purchase).
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    28.49%
  • Balance Transfer APR:
    None
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Synchrony Bank Belk Rewards Mastercard® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
2X
Gas
$
2X
Groceries
$
1X
All other purchases
$
Have you already recieved the Synchrony Bank intro bonus?
How would you like to redeem points?
Calculate
Your Results
Yearly earnings
$60
Annual fee
$0
Yes, Synchrony Bank Belk Rewards Mastercard® credit card is worth its annual fee!
How to maximize your Synchrony Bank Belk Rewards Mastercard® rewards?

You can boost your total rewards by getting Synchrony Bank welcome bonus. To do that spend more on . To maximize all other rewards follow the tips below:

  • Spend more on Gas
  • Redeem most of your points for Purchases in Belk Store
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Synchrony Bank Belk Rewards Mastercard®.

Your net profit in the first year
$60
cup of coffee x22
Show less details
You will receive 6,000 points in the first year (equivalent to $60)
Where you get the most profit
  • Gas
  • Groceries
  • All other purchases
Gas
$24
Groceries
$24
All other purchases
$12
Total
$60
Annual fee
$0
Net yearly credit card profit
$60

All benefits

  • Points
    • 2x At gas stations and grocery stores.
    • 1x On all other spending.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 28.49%
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • 29.99%
  • How to Avoid Paying Interest
    • Your due date is at least 23 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
Cons:
  • High APR
  • Foreign Transaction Fee

Features

Classic
Mastercard
  • No Annual Fee
  • Rewards
  • Bonus points
  • Fair Credit
  • Good Credit

About the issuer

Synchrony Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

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Recommended credit score
score
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    Annual Fee
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    Regular APR
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  • None
    Purchase Intro APR
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Recommended credit score
score
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  • $39
    Annual Fee
  • 18.24%
    Regular APR
  • 1%
    Cash Back on payments made to your First Progress Secured credit card account.
  • None
    Purchase Intro APR
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First Progress Platinum Prestige Mastercard® Secured Synovus Bank
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3.8 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $49
    Annual Fee
  • 14.24%
    Regular APR
  • 1%
    Cash Back rewards on payments.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site

Synchrony Bank Belk Rewards Mastercard® is an option for those, who need Classic features. With an APR of 28.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Good (580-739) credit score. With Synchrony Bank Belk Rewards Mastercard® you will get such features as No Annual Fee, Rewards, Bonus points, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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    Purchase Intro APR
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