Skip to content

SaksFirst Mastercard

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

The upgraded version of the SaksFirst Store Card, you can use this card anywhere Mastercard is accepted. You’ll become a SaksFirst member, with your status level determined by how much you spend annually at Saks, and earn points on a variety of other purchases including dining, gas, and groceries.

The information related to SaksFirst Store Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 19.24%–21.24% Variable

SaksFirst Mastercard

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


  • Rewards at Saks depending on how much you spend throughout the year:
    • Premier status members: 2X points per dollar
    • Elite status members: 4X points per dollar
    • Platinum status members: 6X points per dollar
    • Diamond status members: 6X points per dollar
  • 3X points per dollar at Salons and Spas
  • 2X points per dollar spent on:
    • Dining
    • Groceries
    • Gas
  • 1X point per dollar on all other purchases
Introductory Bonus
  • $25 Saks Welcome Gift Card after making your first purchase outside Saks

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 19.24%–21.24% Variable
Balance Transfer Fee 3%, $15 minimum
How to Transfer a Balance on a Credit Card


Penalty APR 30.24% Variable
Late Fee Up to $35
Returned Payment Fee Up to $25
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.49% Variable
Cash Advance Fee 3%, $15 minimum
How to Get a Cash Advance with a Credit Card
SaksFirst Mastercard


  • Different rewards depending on how much you spend throughout the year, up to 6X points at Saks
  • Double and Triple Points Days at Saks
  • 3X points for every $1 spent at salons and spas, 2X points on dining, groceries & gas
  • No annual fee

Capital One

Capital One has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-871-7257 or

Try a different phone number
See all Issuer Cards

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.

The information related to SaksFirst Mastercard has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Scroll to top