Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
25.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Up to 25.49%(Verified 06/21/2024)
Credit Score Range
700 - 850
Annual Fee
$0
SaksFirst World Elite MasterCard® Review
This is a store travel card issued by Capital One. If you're wondering whether SaksFirst World Elite MasterCard® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 6x.
- You’ll earn 2 Points per $1 spent outside of Saks everywhere Mastercard is accepted.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.49%
- 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.
- A 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 access to a concierge, emergency support, extended warranty protection on purchases, price protection, purchase security, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of SaksFirst World Elite MasterCard®
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SaksFirst World Elite MasterCard® FAQ
Does SaksFirst World Elite MasterCard® have a cash back or rewards program?
SaksFirst World Elite MasterCard® is a travel rewards card. This card features rewards for purchases in the following categories:
- Hotels
| Description |
Does SaksFirst World Elite MasterCard® have a signup bonus?
Yes. You’ll earn 2 Points per $1 spent outside of Saks everywhere Mastercard is accepted.
Does SaksFirst World Elite MasterCard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the SaksFirst World Elite MasterCard® benefits?
SaksFirst World Elite MasterCard® 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®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.SaksFirst World Elite MasterCard® has a variable purchase APR of 25.49%. variable balance transfer APR of up to 25.49%.
SaksFirst World Elite MasterCard® does not offer balance transfers. It also has a variable cash advance APR of 28.49% . The good news is this card does not charge a penalty APR if you are late on a payment.
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. SaksFirst World Elite MasterCard® does not offer 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®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards 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 customer service phone number for SaksFirst World Elite MasterCard®?
The customer service number for SaksFirst World Elite MasterCard® is (877) 383-4802.
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 login page for SaksFirst World Elite MasterCard®?
You can access the login page of SaksFirst World Elite MasterCard® 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 to the following credit bureaus:
- 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 build your credit.
Does Capital One perform a hard credit pull?
Yes, SaksFirst World Elite MasterCard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for SaksFirst World Elite MasterCard®
- Visit the website of SaksFirst World Elite MasterCard®.
- 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.
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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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed