Full Review

10% discount for the first purchase. You will get 10% off the first purchase that you make at a Saks store location with the Saks Fifth Avenue Credit Card, also referred to as the SaksFirst Card. That’s not the biggest initial discount available from a store card, but it has the potential to save you just as much money as any other offer in absolute terms given the relatively high prices at Saks.

Lucrative, somewhat-complicated rewards. You will earn at least 2 points for every $1 that you charge to the Saks Credit Card, which works out to 2% “cash” back, considering that 2,500 points gets you a $25 Saks gift card. Now, here’s where things aren’t so straightforward. That 2% earning rate applies to your first $4,999 in purchases each year. If you cross that threshold, you’ll then get 8% back on your next $5,000 in purchases for the year, followed by 12% back on subsequent spending before year-end. Yet at least 2% back from dozens of rewards cards, and the average cash back credit card offers 1.07% across all purchases, according to WalletHub data. So it’s clear the Saks Fifth Card is a decent option for infrequent shoppers that gets better and better the more you spend.

No annual fee, but a high APR. The Saks Credit Card is like the vast majority of store cards in the sense that it does not charge an annual fee. It’s also $19.76 per year cheaper than the average credit card, market-wide, according to WalletHub’s latest Credit Card Landscape Report. That’s the good news. The bad news the Saks Card’s regular APR is higher than the averages for store cards (23.93%) and credit cards for people with fair credit (22.84%) – the minimum credit standing required for approval. That means you should only get the Saks Store Card if you plan to always pay your monthly bill in full.

Available to shoppers with fair credit. The Saks Fifth Avenue Credit Card is generally available to people with fair credit or better. That means most people can get it. But you should still check your credit score for free on WalletHub before applying to confirm that you’re likely to be accepted.


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Saks Fifth Avenue Store Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Saks Fifth Avenue Credit Card
Saks Fifth Avenue SaksFirst Store Card is a store credit card issued by Capital One. If you're wondering whether Saks Fifth Avenue SaksFirst Store Card is the right card for you, read on. This is everything you need to know to make a good choice.
Saks Fifth Avenue Credit Card

How to Apply For Saks Fifth Avenue Credit Card

To apply for the card, you'll have to visit a Saks store in person, or request an upgrade once you've been approved for the store-only version.For each card, the issuer (Capital One) will judge your creditworthiness, based on your financial standing and other factors, and you should hear bac

How to Get the Most Out of Saks Fifth Avenue Credit Card
Keep an eye out for advance access: You’ll get advanced knowledge of merchandise before non-members, giving you a shot at getting there first.Pounce on sales: You’ll be notified of designer sales before they happen, so you’ll have extra time to capitalize on savings.Spend enough to reach the h

The Rewards of Saks Fifth Avenue Credit Card
RewardsUnlock access to the Beauty Rewards program, featuring deluxe samples and hand-picked goodies, all starting when you spend $500 in Beauty on your Credit Card.3 points per dollar on your purchases at spas and salons.2 points per dollar on dining, gas, and groceries.1 point per dollar on all ot

Saks Fifth Avenue Credit Card Payment
Onlinesearch the official websiteLog in your accountmake a payment online