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  SaksFirst World Elite MasterCard®

SaksFirst World Elite MasterCard®

in Personal Credit Cards from Capital One

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SaksFirst World Elite MasterCard®

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in Personal Credit Cards from Capital One

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

SaksFirst World Elite MasterCard® Review

SaksFirst World Elite MasterCard® is a store credit card issued by Capital One. If you're wondering whether SaksFirst World Elite MasterCard® is the right card for you, read on. This is everything you need to know to make a good choice.

  • Signup bonus. Offers a signup bonus of $25 if you spend $10.
  • 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $15.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, price protection, purchase protection, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
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.
  • SaksFirst World Elite MasterCard® reports to multiple credit bureaus.
  • Access to a concierge.
  • Trip cancellation insurance.
  • High penalty fee.
  • Requires good to excellent credit.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee

Is there a SaksFirst World Elite MasterCard® cash back or rewards program?

No, SaksFirst World Elite MasterCard® does not offer a rewards program. This card features rewards for purchases in the following categories:

  • Hotels

What are the SaksFirst World Elite MasterCard® benefits?

SaksFirst World Elite MasterCard® provides the following benefits:

  • Emergency Support
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Reports to major credit bureaus

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

SaksFirst World Elite MasterCard® has a variable purchase APR of up to 26.24%.

The card has a variable balance transfer APR of up to 26.24%.

The card has a variable cash advance APR of up to 29.24%.

Note that late payments are subject to an APR of 30.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does SaksFirst World Elite MasterCard® have an introductory APR offer on balance transfers??

No, SaksFirst World Elite MasterCard® does not come with an introductory APR offer for balance transfers.

Does SaksFirst World Elite MasterCard® have an introductory APR offer on new purchases??

SaksFirst World Elite MasterCard® does not offer an introductory rate on new purchases.

What are the SaksFirst World Elite MasterCard® fees?

The following fees apply to SaksFirst World Elite MasterCard®:

SaksFirst World Elite MasterCard® Fees
Fees Amount
Annual Fee up to $0
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $15
Returned Payment Fee up to $25
Late Payment Fee up to $38

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

SaksFirst World Elite MasterCard® 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 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 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.

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...

Availability

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

Feature Breakdown

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 Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Credit Score Range 700 - 850
Card Type
  • Store Card
  • Travel
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
Bonus Rewards - Price Protection - Extended warranty - $0 liability on unauthorized purchases - Emergency replacement of lost or stolen cards - Purchase Assurance Coverage - Acceptance at 25 million locations worldwide - No foreign transaction fees - Global concierge service - Access to luxury hotels and resorts - Exclusive travel promotions - Trip Cancellation Insurance - Free shipping for purchases made at Saks, saks.com, Saks Fifth Avenue OFF 5th stores and saksoff5th.com - $25 Saks Welcome gift card when you make your first purchase outside Saks - Advance notice of sales - Invitations to exclusive events - 24-hour personal concierge service - Personal fashion consultant upon request - Online account access - Exclusive customer assistance phone number at 800-871-7257
Rewards Categories Hotels
Signup Bonus $25
Cash Advance APR (Variable APR) Up to 29.24%
Penalty APR (Variable APR) 30.24%
Purchase APR (Variable APR) Up to 26.24%
Balance Transfer APR (Variable APR) Up to 26.24%
Balance Transfer Fee Minimum $15
Balance Transfer Fee % 3%

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