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

SaksFirst World Elite MasterCard® Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 3% on balance transfers. For example, a balance of $1,000 could cost $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, extended warranty protection on purchases, price protection, purchase protection, trip cancellation insurance, 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.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Trip cancellation insurance.
  • SaksFirst World Elite MasterCard® reports to multiple credit bureaus.
  • 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.
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. This card features rewards for purchases in the following categories:

  • Hotels

What are the SaksFirst World Elite MasterCard® benefits?

It provides the following benefits:

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

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

It 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 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
Returned Payment Fee up to $25
Late Payment Fee up to $38

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® report your account activity to credit bureaus?

Yes, 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 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.
  • 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
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Extended Warranty Protection
Rewards Categories
  • Hotels
Signup Bonus Starting at $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%
Card Type
  • Store Card
  • Travel
Card Network Mastercard

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