Saks Fifth Avenue Credit Card

BreadFinance Pending

Back Apply Now

23

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: saks-fifth-avenue-credit-card

Issuer: BreadFinance

Card Name: Saks Fifth Avenue Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 14:48

Last Scraped: Feb 07, 2026 05:21

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Saks Fifth Avenue & Saks OFF 5TH Purchases 2x Points Purchases made at Saks Fifth Avenue and Saks OFF 5TH stores, saks.com, and saksoff5th.com. No Cap
All Other Purchases 1x Points Purchases made everywhere else the Saks Fifth Avenue Credit Card is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Bonus Rate: 2x

Categories: Saks Fifth Avenue and Saks OFF 5TH purchases

Quarterly Rotating: No

Expiration Policy: SaksFirst points expire 12 months from the date they are earned.

Point Value: 0.01¢

Redemption Penalties: Points are redeemed for SaksFirst Gift Cards only. SaksFirst Gift Cards are issued in increments of $10, $25, $50, $100, $250, $500, and $1,000. SaksFirst Gift Cards are not redeemable for cash. SaksFirst Gift Cards cannot be used to purchase other gift cards. SaksFirst Gift Cards cannot be used to pay your SaksFirst Credit Card bill.

Benefits & Protections (Detailed) 23 Total
PENDING
Customer Service 1
Dedicated SaksFirst Customer Service Line
Dedicated support

Access a dedicated customer service line for SaksFirst Preferred, Elite, and Platinum members. Requires SaksFirst Preferred status, achieved by spending $2,500-$4,999 annually on the Saks Fifth Avenue Credit Card.

Lifestyle 13
Access to Saks Stylists
Personalized styling service

Gain access to Saks Stylists for personalized shopping assistance. Requires SaksFirst Preferred status, achieved by spending $2,500-$4,999 annually on the Saks Fifth Avenue Credit Card.

Complimentary Fur Storage & Cleaning (Preferred)
Up to 2 items annually

Receive complimentary fur storage and cleaning for up to 2 items annually. Requires SaksFirst Preferred status, achieved by spending $2,500-$4,999 annually on the Saks Fifth Avenue Credit Card.

Complimentary Shoe Shine
Complimentary

Receive complimentary shoe shines. Requires SaksFirst Preferred status, achieved by spending $2,500-$4,999 annually on the Saks Fifth Avenue Credit Card.

Complimentary Fur Storage & Cleaning (Elite)
Up to 4 items annually

Receive complimentary fur storage and cleaning for up to 4 items annually. Requires SaksFirst Elite status, achieved by spending $5,000-$9,999 annually on the Saks Fifth Avenue Credit Card.

Complimentary Shoe Repair (Elite)
Up to 2 pairs annually

Receive complimentary shoe repair for up to 2 pairs annually. Requires SaksFirst Elite status, achieved by spending $5,000-$9,999 annually on the Saks Fifth Avenue Credit Card.

Complimentary Valet Parking (Elite)
Complimentary, where available

Receive complimentary valet parking where available. Requires SaksFirst Elite status, achieved by spending $5,000-$9,999 annually on the Saks Fifth Avenue Credit Card.

Access to Private Shopping Suites
Access to private suites

Gain access to private shopping suites for a more exclusive shopping experience. Requires SaksFirst Elite status, achieved by spending $5,000-$9,999 annually on the Saks Fifth Avenue Credit Card.

Invitations to Exclusive Events (Elite)
Invitations to exclusive events

Receive invitations to more exclusive events. Requires SaksFirst Elite status, achieved by spending $5,000-$9,999 annually on the Saks Fifth Avenue Credit Card.

Complimentary Fur Storage & Cleaning (Platinum)
Up to 6 items annually

Receive complimentary fur storage and cleaning for up to 6 items annually. Requires SaksFirst Platinum status, achieved by spending $10,000+ annually on the Saks Fifth Avenue Credit Card.

Complimentary Shoe Repair (Platinum)
Up to 4 pairs annually

Receive complimentary shoe repair for up to 4 pairs annually. Requires SaksFirst Platinum status, achieved by spending $10,000+ annually on the Saks Fifth Avenue Credit Card.

Complimentary Valet Parking (Platinum)
Unlimited complimentary, where available

Receive unlimited complimentary valet parking where available. Requires SaksFirst Platinum status, achieved by spending $10,000+ annually on the Saks Fifth Avenue Credit Card.

Personal Shopping Services
Personal shopping assistance

Access dedicated personal shopping services. Requires SaksFirst Platinum status, achieved by spending $10,000+ annually on the Saks Fifth Avenue Credit Card.

Invitations to VIP Events
Invitations to VIP events

Receive invitations to exclusive VIP events. Requires SaksFirst Platinum status, achieved by spending $10,000+ annually on the Saks Fifth Avenue Credit Card.

Rewards 3
SaksFirst Points Earning - Saks Fifth Avenue
2 points per $1

Earn 2 SaksFirst points for every dollar spent on purchases at Saks Fifth Avenue stores and saks.com using your Saks Fifth Avenue Credit Card.

SaksFirst Points Earning - Saks OFF 5TH
1 point per $1

Earn 1 SaksFirst point for every dollar spent on purchases at Saks OFF 5TH stores using your Saks Fifth Avenue Credit Card.

SaksFirst Gift Card Redemption
$10 per 1,000 points

Automatically receive a $10 SaksFirst Gift Card for every 1,000 SaksFirst points earned. Gift cards can be used at Saks Fifth Avenue stores, saks.com, and Saks OFF 5TH stores.

Shopping 6
Exclusive Access to Sales & Events
Access to exclusive events and sales

Receive early access to designer sales and invitations to private events.

Complimentary Basic Alterations
Complimentary

Receive complimentary basic alterations on full-price merchandise purchased at Saks Fifth Avenue.

Complimentary Gift Packaging
Complimentary

Receive complimentary gift packaging for your purchases at Saks Fifth Avenue.

Complimentary Standard Shipping
Complimentary

Receive complimentary standard shipping on all saks.com purchases.

Complimentary Expedited Shipping
Complimentary

Receive complimentary expedited shipping on saks.com purchases. Requires SaksFirst Elite status, achieved by spending $5,000-$9,999 annually on the Saks Fifth Avenue Credit Card.

Complimentary Same-Day Delivery
Complimentary, where available

Receive complimentary same-day delivery where available. Requires SaksFirst Platinum status, achieved by spending $10,000+ annually on the Saks Fifth Avenue Credit Card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian
Issuer Rules & Policies
PENDING

Rules: Eligibility Requirements for the Saks Fifth Avenue Credit Card (BreadFinance) for 2026: 1. **Age**: Applicants must be at least 18 years of age (or the age of majority in their state of residence). 2. **Identification**: Must possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). 3. **Address**: Must have a valid U.S. mailing address. 4. **Creditworthiness**: Subject to credit approval by BreadFinance. Applicants are generally expected to have good to excellent credit history, though store cards may sometimes offer options for fair credit. 5. **No Recent Bankruptcies**: Typically, applicants should not have recent bankruptcies or severe delinquencies on their credit report. **Bonus Rule (Assumed for 2026 based on typical store card offers)**: New cardholders are eligible for a one-time discount, typically 10-15% off their first purchase made with the Saks Fifth Avenue Credit Card within 30 days of account opening. Specific bonus offers may vary and are subject to change by BreadFinance.

Max Cards Per Issuer: 1

Min Spend Interval: 30 days from account opening for initial bonus

Shutdown Risk Triggers: Manufactured spending (e.g., purchasing gift cards in large quantities and immediately liquidating them), high cumulative credit limit across BreadFinance products, frequent returns after meeting spend requirements, failure to make minimum payments, suspicious account activity, abuse of promotional offers, or opening and closing multiple accounts rapidly (churning).

Cliff Effect Rules: For the Saks Fifth Avenue Credit Card, there are no specific 'card family' cliff effect rules (e.g., 5/24 rules like Chase or once-per-lifetime rules like Amex) as it is a standalone store-specific credit product. Eligibility is primarily based on individual creditworthiness and adherence to BreadFinance's general application policies. However, BreadFinance may have internal limits on the total credit extended to an individual across all their products.

Special Events: Cardholders typically receive exclusive access to sales events, early access to new collections, special double or triple points days, birthday rewards, and invitations to private shopping events.

Holiday Promos: Key promotional periods include Black Friday/Cyber Monday (November), the broader Holiday Season (December), Spring Fashion Events (March-April), Summer Sales (June-July), and Fall Fashion Events (September-October). Cardholders often receive enhanced rewards or discounts during these times.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Exclusive discounts, early access to sales, and loyalty rewards at Saks Fifth Avenue; special financing options for large purchases.

Top Negative:
High APR, limited earning potential outside Saks, and inconsistent customer service from the issuer (Comenity/Bread Financial).

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Nordstrom Visa Signature Card
  • Amex Gold Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 72.0 / 100

Est. Annual Rewards: $320.00

Approval Probability: 78.0%

Version Control
PENDING

Version ID: v1.0