SaksFirst MasterCard®

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.

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  • 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 Fifth Avenue OFF 5TH and
      • Elite status members earn 4 points for every $1 spent at Saks Fifth Avenue,, Saks Fifth Avenue OFF 5TH and
      • Platinum status members earn 6 points for every $1 spent at Saks Fifth Avenue,, Saks Fifth Avenue OFF 5TH and
      • Diamond status members earn 6 points for every $1 spent at Saks Fifth Avenue,, Saks Fifth Avenue OFF 5TH and
      • 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.
  • Signup Bonus $25 gift card when you make your first purchase
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee None
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 19.24% or 21.24% *Variable
  • Cash Advance APR 25.49% *Variable
  • Penalty APR 30.24% *Variable
  • Late Fee Up to $35
  • Returned Payment Fee Up to $25

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

The following benefits are available depending on your status, for both SaksFirst and MasterCard.

The spending requirements for different SaksFirst Membership levels are included below.

You’ll first be considered for a World Elite MasterCard with better extra benefits, but if you’re not approved for that you’ll then be considered for a Platinum MasterCard.

SaksFirst Membership Benefits

SaksFirst Premier & Elite Status – Spend up to $9,999 per year

  • Advance Notice of Sales

    Get notified about sales before non-cardmembers do.

  • Advance Access to Saks Merchandise

    Cardholders get access to merchandise on before non-cardholders.

  • Exclusive Events

    Get invites to cardholder only events.

  • Saks Award-Winning Catalogs

    Get free Saks catalogs in the mail.

  • Personal Fashion Consultant Upon Request

    Get access to a personal fashion consultant in-store to help you pick out the best clothes for you.

  • Exclusive Phone Number

    Call 1-800-871-7257 to access your customer service reps.

SaksFirst Platinum Status – Spend $10,000-$24,999 per year

  • Complimentary Valet Parking

    At select stores only.

  • Complimentary Storage of One Fur

    At select stores only.

SaksFirst Diamond Status – Spend $25,000+ per year

  • Exclusive Diamond Customer Service Number

    Check the back of your card for the phone number.

MasterCard Benefits


  • 24/7 Global Concierge Service

    Assistance planning your travel, reminders for important events and more. (World Elite MasterCard only.)


  • $0 Fraud Protection

    You will not be held responsible for unauthorized purchases made on your card.

  • MasterCard Global Service

    24/7 assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.


  • Price Protection

    If you made a purchase in the U.S. that you find advertised at a cheaper price, you can be reimbursed for the difference.

  • Purchase Protection

    Eligible purchases are covered against theft or damage for up to 60 days; up to $1,000 per claim, up to $25,000 per cardmember account per 12 months.

  • Extended Warranty Protection

    Warranties can be extended by up to an additional year on eligible purchases.

  • Return Protection

    If a merchant won’t take back an eligible item within the first 60 days, reimbursement will be provided up to $250 per item; limited to $1,000 a year per account.


  • Travel Assistance Services

    Provides help with travel planning and reservations.

  • Master RoadAssist® Service

    24/7 assistance with travel emergencies such as jump-starts, towing, gas delivery, tire changes.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

  • Baggage Delay Insurance

    Reimbursement on eligible items in the event of a baggage delay.

  • Trip Cancellation Insurance

    If a trip is disrupted for an eligible reason, you can be reimbursed for non-refundable costs up to $1,000,000.

  • Luggage Coverage

    If your luggage is lost or damaged, you can be reimbursed up to $3,000 per incident. You can only use this twice per year.

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