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  Saks Fifth Avenue SaksFirst Store Card

Saks Fifth Avenue SaksFirst Store Card

in Personal Credit Cards from Capital One

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Saks Fifth Avenue SaksFirst Store Card

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in Personal Credit Cards from Capital One

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Highlights
Purchase APR  (Variable APR) 23.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Saks Fifth Avenue SaksFirst Store Card Review

This is a store rewards credit card issued by Capital One. If you're wondering whether Saks credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 23.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Saks credit card
The Good The Bad
  • 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
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Saks Fifth Avenue SaksFirst Store Card reports to multiple credit bureaus.
  • High interest rates.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
Saks credit card FAQ

Does Saks credit card have a cash back or rewards program?

Saks credit card is a rewards card.

Saks credit card Rewards
Minimum rewards rate 80x
Max rewards rate N/A
Annual rewards limit N/A

Does Saks credit card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Saks credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for Saks credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 23.99%. Note that late payments are subject to an APR of 26.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Saks credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Saks credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Saks credit card?

The following fees apply:

Saks credit card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $25
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

What is the customer service phone number for Saks credit card?

The Saks credit card customer service number is (877) 383-4802.

What is the support contact email for Saks credit card?

The support contact email for Saks credit card is support@capitalone.com.

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

Yes, 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 may help improve your credit.

How to apply for Saks credit card

  • Visit the Saks credit card website.
  • 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.

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Message From Saks Fifth Avenue SaksFirst Store Card

At Capital One, our mission is to change banking for good by bringing humanity, ingenuity and simplicity to banking. In support of our mission, the Capital One Impact Initiative advances socioeconomic mobility by advocating for an inclusive society, building thriving communities and creating financial tools that enrich lives. It is fueled by an initial $200 million multi-year commitment to catalyze economic growth in low- and moderate-income communities and close gaps in equity and opportunity.

You can use this credit card for all your purchases at Saks, and redeem the points you earn for SaksFirst Gift Cards. You can earn SaksFirst Points on your purchases at Saks Fifth Avenue stores, saks.com, Saks OFF 5TH stores and saksoff5th.com.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • 1x - 6x Points on In-Store Eligible Purchases
Balance Computation average daily balance (including new transactions)
Penalty APR (Variable APR) 26.99%
Purchase APR (Variable APR) 23.99%
Card Type
  • Rewards
  • Store Card
Card Network Other

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