21
Benefits5
Reward Categories6x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: saks-fifth-avenue-mastercard
Issuer: BreadFinance
Card Name: SaksFirst Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Bread Financial supports military servicemembers and their families, offering potential benefits under the Servicemembers Civil Relief Act (SCRA) and Military Lending Act (MLA). Active duty servicemembers or recently discharged individuals may be eligible. Contact 1-800-251-6784 for details.
Rewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Saks Fifth Avenue & saks.com | 6x | Points | Purchases made at Saks Fifth Avenue stores and online at saks.com | No Cap | |
| Gas | 2x | Points | Purchases made at gas stations | No Cap | |
| Groceries | 2x | Points | Purchases made at grocery stores | No Cap | |
| Dining | 2x | Points | Purchases made at restaurants | No Cap | |
| All Other Purchases | 1x | Points | All eligible purchases not falling into other bonus categories | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 21 Total
PENDINGLifestyle 3
SaksFirst Events
InvitationsReceive invitations to private SaksFirst events and experiences.
Mastercard Concierge Service
24/7 personal assistanceProvides 24/7 personalized assistance for travel planning, dining reservations, event tickets, and more.
Priceless Experiences
Exclusive accessAccess to exclusive events and experiences in cities around the world, curated by Mastercard.
Purchase Protection 3
Purchase Protection
Up to $1,000 per claim, $50,000 per yearReimburses you for eligible items purchased with your card that are accidentally damaged or stolen within 90 days of purchase.
Extended Warranty Protection
Up to 1 additional yearDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases, for items with an original warranty of one year or less.
Cell Phone Protection
Up to $600 per claim, $1,000 maximum per 12 monthsProvides coverage for damage or theft of your cell phone when you pay your monthly cell phone bill with your eligible Mastercard. A service fee of $50 applies per claim. Maximum of two claims per 12-month period.
Rewards 3
SaksFirst Points Earning - Saks Purchases
2 points per $1Earn 2 SaksFirst points for every $1 spent on qualifying purchases at Saks Fifth Avenue stores, saks.com, and Saks OFF 5TH stores.
SaksFirst Points Earning - Everywhere Else
1 point per $1Earn 1 SaksFirst point for every $1 spent on qualifying purchases everywhere else Mastercard is accepted.
SaksFirst Dollars Redemption
1,000 points = $10Convert SaksFirst points into SaksFirst Dollars, redeemable for merchandise at Saks Fifth Avenue stores and saks.com. 1,000 points equals $10 SaksFirst Dollars.
Security 2
Mastercard ID Theft Protection
Monitoring, alerts, resolutionProvides identity theft monitoring, alerts, and resolution services. Includes expert assistance to help restore your identity.
Mastercard Global Service
24/7 emergency assistanceProvides 24/7 emergency assistance for lost or stolen cards, emergency cash advances, and emergency card replacement.
Shopping 5
Free Standard Shipping
Free standard shippingEnjoy complimentary standard shipping on all purchases made at Saks Fifth Avenue stores and saks.com as a SaksFirst member.
Complimentary Basic Alterations
ComplimentaryReceive complimentary basic alterations on purchases made at Saks Fifth Avenue stores as a SaksFirst member.
Complimentary Gift Wrap
ComplimentaryReceive complimentary gift wrapping services for purchases made at Saks Fifth Avenue stores as a SaksFirst member.
Early Access to Sales
Early accessGain early access to exclusive sales and promotions at Saks Fifth Avenue as a SaksFirst member.
ShopRunner Membership
Complimentary membershipEnjoy a complimentary ShopRunner membership, providing free 2-day shipping and free returns at participating online retailers.
Travel Insurance 5
Mastercard Car Rental Collision Damage Waiver
Secondary coverageProvides secondary coverage for damage or theft of an eligible rental vehicle when you pay for the entire rental with your card and decline the rental company's collision damage waiver.
Trip Cancellation/Interruption Insurance
Up to $1,500 per tripReimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons when booked with your card.
Baggage Delay Insurance
Up to $100 per day for 3 daysReimburses you for the cost of essential items if your checked baggage is delayed by the common carrier for more than 4 hours.
Lost Luggage Insurance
Up to $3,000 per tripReimburses you for the actual cash value of lost or stolen checked or carry-on luggage and its contents.
Travel Accident Insurance
Up to $250,000Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with your card.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Cash Advance APR: 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Saks Fifth Avenue Mastercard in 2026 requires applicants to be at least 18 years of age, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and be a permanent resident of the United States. Applicants are generally expected to have a good to excellent credit history. Income verification may be required. The typical welcome bonus rule involves earning a specific amount of SaksFirst points (e.g., 10,000 points) after meeting a minimum spending requirement (e.g., $1,000 outside of Saks Fifth Avenue) within the initial 90 days of account opening. Points are generally earned at a higher rate for Saks Fifth Avenue purchases and a standard rate for all other eligible Mastercard transactions.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Welcome bonuses are typically limited to one per card product per lifetime. Existing SaksFirst Store Cardholders may be eligible for an upgrade path to the Saks Fifth Avenue Mastercard, but may not qualify for a separate welcome bonus if they have previously received one for a Saks-branded credit product. Downgrades or product changes may also impact future bonus eligibility.
Special Events: Annual Friends & Family sales, seasonal designer trunk shows, SaksFirst point multiplier events, exclusive access to new collections, and tiered loyalty benefits (e.g., free shipping, personal shopping services, spa credits) based on annual spend and loyalty tier.
Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Mother's Day, Father's Day, Valentine's Day, Memorial Day, Labor Day, and various seasonal clearance events throughout the year.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.1 / 5.0
Top Positive:
Frequent shoppers appreciate exclusive discounts, early access to sales, and loyalty rewards. The card offers a good way to build credit for those with fair credit scores.
Top Negative:
High APRs, limited rewards outside of Saks Fifth Avenue, and frequent complaints about Comenity Bank's customer service and billing practices.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Nordstrom Visa Signature
- Amazon Prime Rewards Visa Signature
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 78.0%
Version Control
PENDINGVersion ID: 2024.04