Saks Fifth Avenue Credit Card
Basic Information
Program ID: saks-fifth-avenue-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 14:48
Last Scraped: 01/15/2026 14:49
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 35.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 3,224.00% - 3,224.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,224.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Receive 10% off your first Saks Fifth Avenue purchase when you open and use your SaksFirst Credit Card the same day. The discount is applied at the point of sale for the qualifying first purchase.
Rewards Program
Reward Type: SaksFirst Points
Base Reward Rate: 2.00%
Bonus Reward Rate: 6.00%
Bonus Categories: Saks Fifth Avenue purchases (2x for standard cardholders, up to 6x for Elite SaksFirst members based on annual spend)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points typically expire 12 months after issuance if not redeemed, or upon account closure.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Projected for 2026, the Saks Fifth Avenue Credit Card, issued by BreadFinance, is expected to maintain its core structure as a store-specific loyalty and financing tool. Application rules will likely require applicants to be at least 18 years of age (or 19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number or ITIN, and possess a fair to good credit score (typically 670+ FICO). A stable income source will also be a key eligibility factor. Bonus rules are anticipated to include an initial discount on the first purchase made with the card (e.g., 10-15% off), ongoing rewards points for Saks Fifth Avenue purchases (e.g., 2-4 points per dollar), and exclusive access to sales and events. Cardholders may also qualify for special financing offers on larger purchases within Saks stores. The primary purpose is to foster loyalty and provide financing options exclusively for Saks Fifth Avenue.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: Not applicable for traditional spend bonuses; initial discount applies to first purchase.
Shutdown Risk Triggers: Non-payment or consistent late payments, suspected fraudulent activity, excessive returns or credit abuse, defaulting on other BreadFinance products, or significant changes in creditworthiness (e.g., bankruptcy). While less common for store cards, any attempt at manufactured spending to exploit reward systems could also be a trigger.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.9 / 5.0
Top Positive Feedback:
Loyalty rewards for frequent Saks shoppers, exclusive discounts and promotions, relatively easy approval for store customers.
Top Negative Feedback:
High interest rates, poor customer service from Comenity, rewards are limited to Saks purchases and can expire, low credit limits.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Nordstrom Visa Signature
- Amex Blue Cash Everyday
- Capital One SavorOne
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: October 2023