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39

Saks World Elite Mastercard

Comenity Capital Bank

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
31.74–32.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered31.74%
Median32.24%
Highest offered32.24%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered32.74%
Median33.24%
Highest offered33.24%

Every fee on this card

Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$3
Balance computationOther
Additional fees
Returned Payment Fee$30
Alternative Payment Method Fee$15
Paper Statement Fee$2.99

Rewards, benefits and features

Rewards
  • Other rewards
Services
  • Credit card registration
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions

Issuer note: Earn: Premier, Elite, Platinum, and Diamond all based on in year spend Spend Up to $2.5K (Premier) - earn 2 pts per $1 Spend $2.5K to $10K (Elite) - earn 4 pts per $1 Spend $10K to $25K (Platinum) - earn 6 pts per $1 Spend Over $25K (Diamond) - earn 6 pts

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-833-677-7257
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 32.24%$967.20
Annual / periodic fees$0
Total yearly cost$967.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

100 documents filed by Comenity Capital Bank in the 2026 Q1 archive.

All 100 agreements

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