20
Benefits2
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: saks-fifth-avenue-world-elite-mastercard
Issuer: BreadFinance
Card Name: SaksFirst World Elite Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Saks Fifth Avenue Purchases | 2x | Points | Qualifying purchases at Saks Fifth Avenue, Saks OFF 5TH, and saks.com. | No Cap | |
| All Other Purchases | 1x | Points | Qualifying purchases everywhere else Mastercard is accepted. | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 20 Total
PENDINGLifestyle 4
Private Shopping Events
Invitations to eventsReceive invitations to private shopping events and exclusive experiences.
Complimentary Valet Parking
Free valet parkingReceive complimentary valet parking at participating Saks Fifth Avenue locations.
Mastercard Concierge Service
24/7 assistance24/7 personalized assistance for travel planning, dining reservations, event tickets, and more.
Priceless Cities
Exclusive experiences and offersAccess to exclusive experiences and offers in cities around the world.
Purchase Protection 3
Cell Phone Protection
Up to $800 per claim, 2 claims per 12-month periodCoverage for damage or theft of your cell phone when you pay your monthly cell phone bill with your World Elite Mastercard. A deductible typically applies.
Extended Warranty
Up to 1 additional yearDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases.
Purchase Protection
Up to $1,000 per claim, $50,000 per account per yearCovers eligible items against damage or theft for a certain period (e.g., 90-120 days) from the date of purchase.
Rewards 1
SaksFirst Points Earning
2 points per $1Earn 2 SaksFirst Points for every $1 spent at Saks Fifth Avenue and Saks OFF 5TH stores, online at saks.com and saksoff5th.com.
Security 3
Mastercard Global Service
Emergency assistanceEmergency assistance for lost or stolen cards, emergency cash advances, and ATM locations worldwide.
Zero Liability Protection
No liability for unauthorized purchasesProtection against unauthorized purchases made with your card. You pay only for purchases you have authorized.
ID Theft Protection
ID theft resolution servicesAssistance with identity theft resolution services, including monitoring and expert help.
Shopping 2
Free Standard Shipping
Free standard shippingEnjoy complimentary standard shipping on all purchases from Saks Fifth Avenue and Saks OFF 5TH.
Early Access to Sales
Early accessGain early access to exclusive sales and promotions at Saks Fifth Avenue and Saks OFF 5TH.
Status Benefits 1
SaksFirst Status Progression
Tiered status based on annual points/spendPoints earned contribute to SaksFirst status (Premier, Elite, Platinum), unlocking additional benefits and rewards based on annual spend.
Travel 1
Luxury Hotel & Resorts Portfolio
Various hotel benefitsAccess to a collection of luxury hotels and resorts with benefits like room upgrades, complimentary breakfast, early check-in/late check-out, and a special amenity.
Travel Insurance 5
Travel Accident Insurance
Up to $250,000Coverage for accidental death or dismemberment when traveling on a common carrier and the fare was paid with the card.
Car Rental Collision Damage Waiver (CDW)
Secondary coverageProvides secondary coverage for damage or theft of a rental vehicle when you pay for the rental with your card and decline the rental company's collision insurance.
Trip Cancellation/Interruption Insurance
Up to $1,500 per tripReimburses non-refundable travel expenses if a trip is canceled or interrupted due to covered reasons.
Baggage Delay Insurance
Up to $100 per day for 3 daysReimburses for essential purchases like toiletries and clothing if your checked baggage is delayed by a common carrier for a specified period.
Lost Luggage Insurance
Up to $3,000 per passengerReimburses for the value of lost or stolen checked or carry-on baggage and its contents.
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
PENDING$100
Cash BackRequirement: Spend $1,000 in 90 days
Timing: Your gift card will be mailed to your billing address approximately 6-8 weeks after you meet the spending requirement.
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 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%
Balance Transfer APR: 21.24%
Cash Advance APR: 31.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, application eligibility for the Saks Fifth Avenue World Elite Mastercard from BreadFinance is expected to require applicants to be 18 years or older, possess a valid U.S. Social Security Number or ITIN, and have a U.S. mailing address. Approval for the World Elite tier typically necessitates an excellent credit history. The welcome bonus, often a percentage off a first Saks Fifth Avenue purchase or a statement credit after meeting a specified spending threshold, is generally limited to new cardmembers who have not previously held this specific product.
Max Cards Per Issuer: 1
Min Spend Interval: 3 months
Cliff Effect Rules: Bread Financial does not have widely published 'cliff effect' rules (e.g., 5/24, once-per-lifetime across a family of cards) similar to major issuers. However, welcome bonuses for the Saks Fifth Avenue World Elite Mastercard are typically a one-time offer per card product per customer. Reapplying after closing the card may not yield a second bonus.
Special Events: Saks Friends & Family sales, seasonal designer collections launches, bonus points events (e.g., 2x or 3x points on specific categories or during certain periods), gift card promotions (e.g., earn a gift card with qualifying purchase), private shopping events for top-tier cardholders.
Holiday Promos: Black Friday/Cyber Monday, Post-Christmas/New Year's sales, Valentine's Day, Mother's Day, Father's Day, Memorial Day, Labor Day, Fourth of July, and various seasonal sales (e.g., Spring, Fall).
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Excellent rewards and benefits for frequent Saks Fifth Avenue shoppers, exclusive access to sales and services, strong luxury brand affiliation.
Top Negative:
Customer service issues often reported with Comenity Bank, high APR, limited value for non-Saks spending, rewards redemption can be cumbersome.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Nordstrom Visa Signature
- Chase Sapphire Preferred
- American Express Gold Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $400.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0