For Saks Credit Card, what score should I have?
4
UpvotesReply
Andrew Sutton
At least 640. 640ish actually, because they will take into account your income and past delinquencies. Good luck!
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Saks Fifth Avenue Store Card
Saks Fifth Avenue Store Card
Info about Saks Fifth Avenue Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards87Reviews11Q&AContactRewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
10% discount one-time only on all purchases made on account open day inside Saks. Terms Apply.
Earn 2 points per dollar spent on your first $2,499 in purchases for the year.
Earn 4 points per dollar spent on your purchases between $2,500 and $9,999 for the year.
Earn 6 points per dollar spent on purchases totaling over $10,000 for the year.
Take advantage of Double Points and Triple Points shopping days.
SaksFirst Points earned throughout the calendar year are converted into a SaksFirst Gift Card in increments of $25 for each 2500 points (minimum redemption of 2500 points).
Unlock access to the Beauty Rewards Program, featuring deluxe samples, all starting when you spend $500 in beauty.
APR on Purchases
28.24% (V)
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
by John Kiernan
March 14th, 2023
Saks Fifth Avenue Store Card Pros & Cons
No membership fees
High rewards rate
10% discount initial rewards bonus
Qualify with fair credit
High Regular APR
Saks Fifth Avenue Store Card's Additional Info
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Free shipping available in-store at Saks and Saks Fifth Avenue OFF 5TH, saks.com as well as on saksoff5th.com.
Special offers and promotions from Saks. Early access to fashion events and private sales.
Questions & Answers
Can't find what you are looking for? Submit your question about Saks Fifth Avenue Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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How can I reach the Saks Store Card customer service?
3
UpvotesReply
Cecilia Stone
You can reach the Saks Store Card customer service online by signing in to your account.
You could also call 1-800-221-8340 or the number on the back of your card to talk to a representative.
What credit bureau does the Saks Fifth Avenue Store Card use for approval?
3
UpvotesReply
Hilda Turner
When you apply for the Saks Fifth Avenue Store Card, Capital One, the issuer, pulls credit reports from all three credit bureaus, Experian, TransUnion, and Equifax.
Does the Saks Store Card do a hard pull?
2
UpvotesReply
Samuel Schreiber
Yes, the Saks Fifth Avenue Store Card does do a hard pull when you apply for it. The issuer decides whether to approve or deny your application based on the information found in your credit reports.
A hard pull can cause your credit score to drop a few points,...
What's the starting Saks Fifth Avenue Store Card credit limit?
1
UpvoteReply
John Wittgap
Your Saks Fifth Avenue Store Card credit limit will be assigned at the time of approval according to the specifics of your credit.
Each and every applicant has a different situation in terms of credit score, debt-to-income ratio, recent hard inquiries and past negatives. These are a few...
Can I use my Saks Fifth Store Card anywhere?
1
UpvoteReply
Sue Patterson
No, you cannot use your Saks Fifth Avenue Store Card anywhere, because it is a store credit card.
You can only use this card at Saks locations, which include Saks Fifth Avenue, Saks Fifth Avenue OFF 5th, saksfifthavenue.com, and saksoff5th.com.
Who actually owns and issues the Saks store card?
1
UpvoteReply
Tanks n Banks
That would be Capital One.
Does applying for this credit card mean that they will lend me money and Ill pay it back monthly?
1
UpvoteReply
How can I get a cash advance with my Saks Fifth Avenue Store Card?
0
UpvotesReply
Sarah Bilkins
You cannot get a cash advance with your Saks Fifth Avenue Store Card. This card can only be used for purchases and only at Saks Fifth Avenue stores, saks.com, Saks OFF 5TH stores and saksoff5th.com.
The fact that cash advances are not an option with this card might...
How much is the Saks Credit Card foreign transaction fee?
0
UpvotesReply
Mark Fellek
The Saks Credit Card doesn't have a foreign transaction fee.
Compare The Saks Fifth Avenue Store Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APR0% for 12 billing cycles|Transfer Fee: $0
Transfer Intro APRNot Offered
Regular APR28.24% (V)
Regular APR12.75% - 18.00% (V)
Regular APR17.99% or 28.99% (Variable)
Rewards Rate2 - 6 points / $1
Rewards Rate1 - 2 points / $1
Rewards Rate1 - 5% Cash Back
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Saks Fifth Avenue Store Card Reviews
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3.7
87 reviews
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1 Star Rating
Horrible! They lie to your credit report! I’ve spent thousands of dollars in Saks and THEY closed my account! They reported I requested it to be closed! Liars! I asked for them to leave it open. I couldn’t get a sane person in the company to help me or tell me why! I just charged a 6000 dollar bag and paid off a 3600 dollar charge! And they close my account? Crazy! Then tell me to reapply? Why? You see my account! Never will I shop or get another saks card! Ever! Lousy service! So off to Neiman and Nordstroms where I am welcomed and listened to! Amazing service at both Neiman and Nordstroms!
BTW! Remove your lie from my credit report!
BTW! Remove your lie from my credit report!
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Report Abuse
1 Star Rating
Very deceiving statements from the reps all the time. Opened account but did not revived 10% off on the first purchase due to the promotions that I had before. I am not sure how to relate past promotions with the opening a new credit card account. Close the account. Customer service needs serious training.
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3 Star Rating
The Saks Fifth Avenue credit card and I have had a bit of an up and down relationship. When I first signed up for this (suckered into it by one of the sweet salesladies), I had no idea what I was getting myself into. Given, I was 20 with no credit in my name, and a whole lot more naive than I am today. The card itself is fine, and actually looks pretty cool being black. You can use it anywhere, and its perks for Saks itself are nice. You get lots of offers in the mail and via internet, and can also manage your account online pretty easily (make payments, etc.). I'd recommend this card but use self control, as the limits are high!
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Offer last updated: Mar 14th, 2023 at 08:49 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
0% for 12 billing cycles $0 Transfer Fee
REGULAR APR
12.75% - 18.00% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 2 points / $1
BONUS OFFER
20,000 points
MINIMUM CREDIT