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  SaksFirst World Elite MasterCard®
SaksFirst World Elite MasterCard® Claimed

SaksFirst World Elite MasterCard®

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Highlights
Purchase APR 23.99%
Balance Transfer APR Up to 26.24%
Credit Score Range 700 - 850
Annual Fee $0

SaksFirst World Elite MasterCard® Review

This is a credit card issued by Capital One. If you're wondering whether SaksFirst World Elite MasterCard® 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
  • Generous reward rate. You will get a rewards rate of up to 6x.
  • 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. SaksFirst World Elite MasterCard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $15.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of SaksFirst World Elite MasterCard®
The Good The Bad
  • Price protection and extended warranty on your purchases with Saks Fifth Avenue
  • Accepted at 25 million locations worldwide
  • No foreign transaction fees
  • 24-hour personal concierge service available
  • No annual fee.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • SaksFirst World Elite MasterCard® reports to multiple credit bureaus.
  • High penalty fee.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
SaksFirst World Elite MasterCard® FAQ

Does SaksFirst World Elite MasterCard® have a cash back or rewards program?

No, it does not offer a rewards program.

What are the SaksFirst World Elite MasterCard® benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for SaksFirst World Elite MasterCard®?

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

SaksFirst World Elite MasterCard® has a variable purchase APR of 23.99%. The card has a variable balance transfer APR of up to 26.24%.

It also has a variable cash advance APR of 26.99% . Note that late payments are subject to an APR of 27.99% 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 SaksFirst World Elite MasterCard® have an intro APR offer on balance transfers?

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

Does SaksFirst World Elite MasterCard® 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 SaksFirst World Elite MasterCard®?

The following fees apply:

SaksFirst World Elite MasterCard® Fees
Fees Amount
Annual Fee $0
Foreign Transaction 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 card.

Does SaksFirst World Elite MasterCard® have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the support contact email for SaksFirst World Elite MasterCard®?

The support contact email for SaksFirst World Elite MasterCard® is support@capitalone.com.

What is the SaksFirst World Elite MasterCard® login page?

You can access the SaksFirst World Elite MasterCard® login page here.

How do people rate the customer service and user experience of SaksFirst World Elite MasterCard®?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does SaksFirst World Elite MasterCard® report your account activity to credit bureaus?

Yes, SaksFirst World Elite MasterCard® reports your account activity to the following credit reporting agencies:

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 SaksFirst World Elite MasterCard®

  • Visit the SaksFirst World Elite MasterCard® 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.

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

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $40
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 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Concierge
Rewards Categories
  • 2x - 6x Points on
  • 2x - 6x Points on
Cash Advance APR 26.99%
Balance Computation “average daily balance (including new transactions).”
Penalty APR 27.99%
Purchase APR 23.99%
Balance Transfer APR Up to 26.24%
Balance Transfer Fee Minimum $15
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
  • Store Card
Card Network Mastercard

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