Saks Fifth Avenue Mastercard®
Basic Information
Program ID: saks-fifth-avenue-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/15/2026 14:46
Last Scraped: 01/15/2026 14:47
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
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: 2,999.00%
Rewards Program
Reward Type: Proprietary Points (SaksFirst Points)
Base Reward Rate: 1.00%
Bonus Reward Rate: 6.00%
Bonus Categories: Saks Fifth Avenue and Saks OFF 5TH purchases (up to 6x depending on SaksFirst status tier); All other eligible Mastercard purchases (1x)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months from the date they are earned if not redeemed.
Transfer Partners: None
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: 700 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Saks Fifth Avenue Mastercard requires applicants to be at least 18 years of age, a U.S. resident with a valid Social Security Number or ITIN, and possess a good to excellent credit score (typically FICO 670+). Approval is also contingent on sufficient verifiable income and a review of existing credit obligations. The typical sign-up bonus for new cardholders is projected to be a statement credit (e.g., $100-$200) after spending a specified amount (e.g., $1,000-$1,500) on Saks Fifth Avenue purchases within the initial 3 months of account opening. Bonus eligibility is generally restricted to new cardholders who have not held the Saks Fifth Avenue Mastercard within the past 24 months.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, bust-out fraud, high cumulative credit limit across BreadFinance products, sudden large spending outside normal patterns, missed payments, bankruptcy filings, excessive credit inquiries, rapid application for multiple credit products, or any activity deemed fraudulent or high-risk by the issuer.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Exclusive discounts and rewards for loyal Saks shoppers, special access to sales events, good for building credit history.
Top Negative Feedback:
High APR, poor customer service from issuer (Bread Financial/Comenity), rewards are tied only to Saks gift cards, limited value outside of Saks.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Nordstrom Visa Signature
- Macy's American Express
- Capital One SavorOne Cash Rewards
Card Value Score: 80.0 / 100
Est. Annual Rewards: $150.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0