SaksFirst Mastercard®


For People with
Fair Credit

REVIEWS

Reviews

The SaksFirst Mastercard® is a step up from the SaksFirst Store Card.

Offered by Saks Fifth Avenue, it offers the same rewards for purchases at Saks Fifth Avenue, as well as rewards for everyday purchases such as gas and groceries.

Check out how this card compares to the store version in our Review of the SaksFirst Store Card and SaksFirst Mastercard.

Card Quick Facts

Card Quick Facts

  • This card offers different rewards depending on how much you spend throughout the year:
    • Premier status members earn 2 points for every $1 spent at Saks Fifth Avenue, saks.com, Saks Fifth Avenue OFF 5TH and saksoff5th.com.
    • Elite status members earn 4 points for every $1 spent at Saks Fifth Avenue, saks.com, Saks Fifth Avenue OFF 5TH and saksoff5th.com.
    • Platinum status members earn 6 points for every $1 spent at Saks Fifth Avenue, saks.com, Saks Fifth Avenue OFF 5TH and saksoff5th.com.
    • Diamond status members earn 6 points for every $1 spent at Saks Fifth Avenue, saks.com, Saks Fifth Avenue OFF 5TH and saksoff5th.com.
    • Earn a $25 gift card every time you earn 2,500 points with all levels.
    • Double and Triple Points Days with all levels: Special days throughout the year where you earn double or triple the points you normally would.
  • All Mastercard cardholders earn:
    • 3 points for every $1 spent at salons and spas.
    • 2 points for every $1 spent on dining, groceries & gas.
    • 1 point for every $1 spent on all other purchases.

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

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Card Details

Rewards

Rewards

  • This card offers different rewards depending on how much you spend throughout the year:
    • Premier status members earn 2 points for every $1 spent at Saks Fifth Avenue, saks.com, Saks Fifth Avenue OFF 5TH and saksoff5th.com.
    • Elite status members earn 4 points for every $1 spent at Saks Fifth Avenue, saks.com, Saks Fifth Avenue OFF 5TH and saksoff5th.com.
    • Platinum status members earn 6 points for every $1 spent at Saks Fifth Avenue, saks.com, Saks Fifth Avenue OFF 5TH and saksoff5th.com.
    • Diamond status members earn 6 points for every $1 spent at Saks Fifth Avenue, saks.com, Saks Fifth Avenue OFF 5TH and saksoff5th.com.
    • Earn a $25 gift card every time you earn 2,500 points with all levels.
    • Double and Triple Points Days with all levels: Special days throughout the year where you earn double or triple the points you normally would.
  • All Mastercard cardholders earn:
    • 3 points for every $1 spent at salons and spas.
    • 2 points for every $1 spent on dining, groceries & gas.
    • 1 point for every $1 spent on all other purchases.
How to Redeem

Introductory Bonus

  • $25 gift card when you make your first purchase
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 19.24% or 21.24% *Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR 30.24% *Variable
Late Fee Up to $35
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 19.24% or 21.24% *Variable
Balance Transfer Fee 3% (min $15)
Cash Advances

Cash Advances

Cash Advance APR 25.49% *Variable
Cash Advance Fee 3% (min $15)

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

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Average rating:  
 1 reviews
by Christine
Worse customer service ever. Decided to end doing business with these idiots!

Called customer service to put a block on the card. Called back a day later to report a lost card since I could not find it. They told me I need to go to a Saks store with ID to unblock the account first before they could cancel the card and send a new one. What the hell was that? I told them to completely close my credit card account and I will take my business elsewhere. What a moron company. I wont be surprised that Saks will file bankruptcy soon because overpriced stores run by idiots will not survive in this competitive retail environment.

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