Belk Rewards™ Mastercard® from Synchrony: annual fee, APR and rewards

Fact sheet for the Belk Rewards™ Mastercard®, issued by Synchrony, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Synchrony
Network	Mastercard
Annual fee	$0
Rewards	Points: 3 (Insider), 5 (Premier) or 7 (Elite) points per dollar on Belk and belk.com purchases; 10 points per $1 on beauty & fragrances at Belk; Mastercard: 3 points per $1 on dining and takeout, 2 points per $1 on grocery purchases, 1 point per $1 on gas & all other non-Belk purchases. Every 500 Points = $5 Belk Reward Dollars.
Purchase APR	34.99%
Sign-up bonus	20% off coupon on the first day's purchases on a new account, plus 1,000 Bonus Belk Reward Points ($10 Bonus Belk Reward Dollars) when a purchase is made the day the account is opened.
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 34.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.