The Saks credit card offered by Bread Financial is primarily designed for consumers who frequently shop at Saks Fifth Avenue. It provides a good earn rate on Saks purchases, with the opportunity to accumulate points that can be converted into SaksFirst gift cards. Additionally, cardholders gain access to exclusive offers, sales, and events.
Read more
However, the travel benefits are limited, and unredeemed points expire annually. The foreign transaction fee is relatively high, making this card less appealing for international travel.
By Harlon Drosghic Apr 2026
See How to Apply
Bread Financial Saks Credit Card Program
Bread Financial
- Annual Fee
- Free
- Minimum Income
- —
Score by category
Rewards
★★★★★ 2.9/5
Score by category
Rewards
Points & Miles ★★★★★ 2.6/5
- Earn Rate 3.0
- Bonus Categories 3.5
- Redemption Value 3.5
- Points Expiration 1.5
Cashback ★★★★★ 1.4/5
- Caps & Limits 2.0
- Redemption Ease 3.5
- Redemption Flexibility 3.0
Credit Building ★★★★★ 3.3/5
- Upgrade Path 2.5
- Credit Bureau Reporting 4.0
- Educational Tools 2.0
- Credit Limit Growth 3.0
- Approval Accessibility 4.0
Lower Fees ★★★★★ 3.1/5
- Annual Fee Value 4.5
- Cost Transparency 3.5
- Fee Waiver Potential 3.0
- Penalty Friendliness 3.0
- Foreign Transaction Fee 1.0
Purchase Perks ★★★★★ 2.9/5
- Extended Warranty 1.5
- Installment Perks 2.0
- Merchant Discounts 4.0
- Everyday Usefulness 3.0
- Purchase Protection 3.0
Score by category
User Experience
★★★★★ 3.4/5
Score by category
User Experience
App / Experience ★★★★★ 3.8/5
- Ease of Navigation 4.5
- Self-Service 4.0
- Billing Clarity 3.5
- Feature Quality 3.0
- App Speed & Stability 4.0
Support Quality ★★★★★ 3.0/5
- Response Time 2.5
- Channel Availability 3.5
- Agent Professionalism 4.0
- First-Contact Resolution 3.0
- Resolution Effectiveness 3.0
Transparency ★★★★★ 3.3/5
- Terms Simplicity 3.0
- Billing Transparency 3.5
- Fee & Interest Clarity 3.5
- Charge Predictability 3.0
- Communication Clarity 3.0
Security & Control ★★★★★ 3.6/5
- Card Control Features 4.0
- Fraud Protection 4.0
- Virtual Card Experience 3.0
- Incident Resolution 3.5
- Real-Time Monitoring 3.0
Benefits Usability ★★★★★ 3.3/5
- Ease of Earning 3.5
- Ease of Tracking 3.5
- Real-World Value 3.0
- Rules Simplicity 3.5
- Ease of Redeeming 3.0
Pros & Cons Bread Financial Saks Credit Card Program
Pros
- ✓High earn rate at Saks
- ✓Exclusive discounts and offers
- ✓Reasonable annual fee value
Cons
- ✗Limited travel benefits
- ✗Points expire annually if not redeemed
- ✗High foreign transaction fee
Expert Analysis
AI Analysis
Citocred AI
The Saks credit card offered by Bread Financial is primarily designed for consumers who frequently shop at Saks Fifth Avenue.
Full analysis
It provides a good earn rate on Saks purchases, with the opportunity to accumulate points that can be converted into SaksFirst gift cards. Additionally, cardholders gain access to exclusive offers, sales, and events. However, the travel benefits are limited, and unredeemed points expire annually. The foreign transaction fee is relatively high, making this card less appealing for international travel.
Best for
Saks Fifth Avenue shoppers
Avoid if
International travelers
AI-generated analysis · Methodology by Harlon Drosghic
Saks Fifth Avenue shoppers
International travelers
Frequently Asked Questions
Bread Financial Saks Credit Card Program
Does the Bread Financial Saks Credit Card Program include airport lounge access?
Does the Bread Financial Saks Credit Card Program include travel insurance?
Who should get the Bread Financial Saks Credit Card Program?
Is the Bread Financial Saks Credit Card Program worth it?
The Bread Financial Saks Credit Card Program provides a set of benefits designed to add genuine value to your financial routine:
Contactless Payment
Virtual Card
International Acceptance
See 10 benefits not included in this card
- Cashback See which cards include this benefit →
- Points Program See which cards include this benefit →
- Miles Program See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Travel Insurance See which cards include this benefit →
- Purchase Protection See which cards include this benefit →
- Extended Warranty See which cards include this benefit →
- Concierge See which cards include this benefit →
- Apple Pay See which cards include this benefit →
- Google Pay See which cards include this benefit →
Features — Detalhes
Fees
Rewards
Premium
Digital
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
We maintain full editorial independence — no issuer pays for ranking position. 'Apply' links may include affiliate referrals that support our free content. This never influences our editorial scores or assessments.
Read our full methodology →
Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.