Saks Fifth Avenue SaksFirst Store Card Review

Saks Fifth Avenue SaksFirst Store Card is a store credit card issued by Capital One. 

This card is designed for people with fair credit. The minimum credit score to apply is 650. If you're wondering whether Saks Fifth Avenue SaksFirst Store Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Saks Fifth Avenue SaksFirst Store Card

Pros	Cons
Membership in SaksFirst, our exclusive rewards program. Members earn SaksFirst points for purchases made inside Saks. Earn a $25 gift card for every 2500 points Shop exclusive previews of our collections Early access to fashion events and private sales	High penalty APR of 29.24%

Is there a Saks Fifth Avenue SaksFirst Store Card cash back or rewards program?

No, Saks Fifth Avenue SaksFirst Store Card does not offer a rewards program. This card features rewards for purchases in the following categories:

• Retail

Saks Fifth Avenue SaksFirst Store Card Rewards

Rewards rate (all purchases)	80%
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the relevant APRs for Saks Fifth Avenue SaksFirst Store Card?

Saks Fifth Avenue SaksFirst Store Card has a variable purchase APR of up to 26.24%.

Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the Saks Fifth Avenue SaksFirst Store Card fees?

The following fees apply to Saks Fifth Avenue SaksFirst Store Card:

Saks Fifth Avenue SaksFirst Store Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $25
Late Payment Fee	up to $38

Does Saks Fifth Avenue SaksFirst Store Card report your account activity to credit bureaus?

Saks Fifth Avenue SaksFirst Store Card 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 can help improve your credit score.

How to apply for Saks Fifth Avenue SaksFirst Store Card

• Visit the Capital One website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.

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.