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Saks Fifth Avenue World Elite MasterCard Credit Card

Saks Fifth Avenue World Elite MasterCard Credit Card


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Over the Past 60 Days!

(0) Over the Past 60 Days!

  • APR 19.24% or 21.24%
  • Balance Transfer APR 19.24% or 21.24%
  • Cash Advance APR 25.49%
  • Penalty APR 30.24%
  • Annual Fee $0
  • Late Payment Fee $35
  • Cash Advance Fee $15 or 3% of value, whichever is greater
  • Returned Payment Fee $25
  • Balance Transfer Fee $15 or 3% of value, whichever is greater
  • Minimum Interest Charge $1.00


  • Click "APPLY NOW" to apply online
  • Receive 3 points per dollar spent at spas and salons
  • Receive 2 points per dollar spent on dining, gas and groceries
  • Receive 1 point per dollar spent on all other purchases
  • Receive SaksFirst points for purchases inside Saks and special points offers on purchases made outside Saks
  • Annual gift card
  • Free shipping for purchases made at Saks,, Saks OFF 5TH and
  • Special offers and promotions, advance notice of sales and invitations to exclusive events
  • Plus other World Elite MasterCard benefits

Expert Reviews

From the Editorial Team

The Saks World Elite Mastercard lets you earn rewards points that you can use toward future purchases at Saks. The card also comes with other perks that are especially geared toward Saks customers – plus prestigious World Elite Mastercard services.

Expert Reviews of the Saks Fifth Avenue World Elite MasterCard Credit Card

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0


  • 4.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

The points earned in salon and spa categories are generous, and the World Elite services are first-class. But if you don’t shop much in those spa and salon categories there are cards with equally generous or better rewards programs that also offer World Elite Mastercard features. 

The Good

You earn 3 points per dollar spent at salons and spas; 2 points per dollar spent on dining, gas, and groceries, and 1 point per dollar spent on everything else. You also get a $25 gift card as a sign-up bonus. Other perks include free shipping, early notification about special sales, invitations to exclusive Saks events, and special promotional offers. There is no annual fee, there are no foreign transaction fees, and you enjoy luxury World Elite Mastercard features. Those include, for instance, concierge services, travel assistance, and trip cancellation insurance.

The Not So Good

The APR on purchases and balance transfers is 19.24% or 21.24%, depending upon your credit worthiness – and 25.49% for cash advances. There is also a surcharge of $15 or 3% of the amount of each balance transfer or cash advance, whichever is greater.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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