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Belk Reward Dollars (500 pts = $5)
Added 2026-10-29 (Synchrony sweep). Name is now Rewards+ (older 'Belk Rewards / Elite / Premier Mastercard' listings are the same program). At Belk, earn by loyalty tier: Insider 3–4 pts/$1, Premier 5 pts/$1, Elite 7 pts/$1, plus 10 pts/$1 on beauty and fragrance. On the Mastercard outside Belk: 3 pts/$1 dining, 2 pts/$1 grocery (and gas in older terms), 1 pt/$1 elsewhere. 3% foreign transaction fee. APR 34.99% (Sep 2026).
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Belk purchases — by tier (Insider / Premier / Elite) | 3–7 pts/$1 | Tier by annual Belk spend | Insider 3–4, Premier 5, Elite 7 pts/$1; 500 pts = $5 Belk Reward Dollars |
| Belk beauty & fragrance | 10 pts/$1 | — | — |
| Restaurants / Dining | 3 pts/$1 | — | Mastercard use outside Belk |
| Groceries / Supermarkets | 2 pts/$1 | — | Mastercard use outside Belk; gas also 2 pts/$1 in older terms |
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Belk Reward Dollars
20% off your first purchase plus $10 Bonus Belk Reward Dollars on the first purchase.
$10 Bonus Belk Reward Dollars on first purchase
Separate conditions may apply. This component is not automatically added to the estimate below.Dollar estimate unavailable: the offer is unconfirmed, has no fixed amount, has incomplete qualifying terms, has multiple stages, or lacks a usable valuation. No missing value is treated as $0.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Synchrony application rules
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
First-purchase discount + a $10 reward-dollar component; no single numeric bonus amount, so Bonus Amount is blank on purpose.
Offer type, as listed: Public — first-purchase discount