Where and how to pay your Saks Fifth Avenue credit card
You can pay your Saks Fifth Avenue credit card through the Saks website, by phone, by mail, or in person at a Saks store. The easiest method for most people is online through your account on Saks.com — you log in, view your balance, and make a payment in real time. If you prefer to speak with someone, you can call the customer service number on the back of your card. Payments by mail take longer to process, so plan ahead if you use that method.
The card is issued by Saks Fifth Avenue, not by a bank, so you pay Saks directly rather than routing through a third-party processor. This means your payment options are limited to the channels Saks operates. There is no option to pay through a bill-pay service at your bank, though some banks will let you mail a check on your behalf if you set that up in their system.
Key Takeaways
- Online payment through Saks.com is the fastest method and shows your updated balance immediately after you submit payment.
- Payments by phone go through within one business day, and you can set up automatic recurring payments if you want the same amount charged each month.
- Mail payments take seven to ten business days to reach Saks and be posted to your account, so send them well before your due date.
- Your payment due date appears on your monthly statement, and paying after that date triggers a late fee even if you pay within a few days.
Paying online through Saks.com
Log into your Saks account using your email and password, then navigate to the credit card section. You will see your current balance, minimum payment due, and the due date. Enter the amount you want to pay and your payment method — you can use a bank account (checking or savings) or a debit card. Saks will ask you to confirm the amount and date before the payment processes.
Online payments are posted to your account within one business day. If you pay before midnight on your due date, the payment counts as on-time. You can also set up automatic payments through this same section, which will charge your bank account or debit card on the same day each month. This is useful if you want to pay the full balance automatically or a fixed amount toward your balance.
Paying by phone
Call the customer service number printed on the back of your Saks Fifth Avenue credit card. A representative will verify your identity by asking for your card number and other personal information. Tell them the amount you want to pay and provide your bank account or debit card details. The representative will confirm the payment amount and processing date before completing the transaction.
Phone payments are processed within one business day. This method is slower than online payment but faster than mail. If you call after business hours, you may reach an automated system that lets you enter your payment information directly, or you can leave a message and a representative will call you back during business hours.
Paying by mail
Write a check payable to Saks Fifth Avenue and include your account number on the check. Mail it to the address listed on your statement under "Payment Address" — this address is different from the Saks store address or corporate office, so use the one on your bill. Include only the check; do not send cash or other documents unless Saks has specifically requested them.
Mail payments take seven to ten business days to arrive and be posted to your account. Send your payment at least two weeks before your due date to avoid a late fee. If your payment arrives after the due date, you will be charged a late fee regardless of when you mailed it. Keep a copy of the check or take a photo for your records.
In-person payment at a Saks store
You can pay your credit card bill at the customer service desk in any Saks Fifth Avenue store. Bring your card or account number and the amount you want to pay in cash, check, or debit card. A representative will process the payment and give you a receipt. This method is useful if you are already shopping at Saks or live near a store, but it is not faster than online or phone payment.
In-store payments are posted to your account within one to two business days. Not all Saks locations may offer this service during all hours, so call ahead if you want to confirm that the store you plan to visit can process credit card payments.
Late payments and fees
Your payment is considered late if it is not received by Saks by 5 p.m. Eastern time on your due date. A late payment triggers a late fee, which Saks adds to your balance. The amount of the late fee depends on your account terms, but it is typically between $25 and $40 for the first late payment. Subsequent late payments in the same billing cycle may result in higher fees.
Late payments also affect your credit score. After 30 days past due, Saks reports the late payment to credit bureaus, which can lower your score and make it harder to borrow money in the future. If you miss a payment, contact Saks as soon as possible to discuss your options. Some situations may allow you to avoid or reduce the late fee if you have a good payment history.
Setting up automatic payments
Automatic payments deduct money from your bank account or debit card on a date you choose each month. You can set them up through Saks.com by logging into your account and selecting the automatic payment option. You choose whether to pay the full balance, the minimum payment, or a fixed dollar amount each month. Saks will send you a confirmation email after you set up the automatic payment.
Automatic payments are useful if you want to avoid late fees or if you prefer not to think about paying your bill each month. You can change or cancel the automatic payment at any time through your account. If your bank account does not have enough money on the scheduled payment date, the payment will fail and you may be charged an overdraft fee by your bank in addition to a late fee from Saks.
Frequently Asked Questions
Can I pay my Saks credit card with a credit card?
No. Saks does not accept credit card payments for your Saks credit card bill. You can pay with a debit card, bank account, check, or cash. Paying a credit card with another credit card is also generally not allowed by most card issuers because it counts as a cash advance.
What if I pay online but the payment doesn't show up?
Online payments usually post within one business day. If more than one business day has passed and you do not see the payment reflected in your account, log back into Saks.com and check the payment history section. If the payment was rejected, you will see an error message. Call customer service if you cannot find a record of your payment or if you need to confirm it was processed.
Do I have to pay the full balance or can I pay just the minimum?
You can pay any amount between the minimum payment and your full balance. The minimum payment is listed on your statement. Paying only the minimum means you will owe interest on the remaining balance, but it keeps your account in good standing. Paying more than the minimum reduces the interest you owe.
What happens if I pay after the due date?
You will be charged a late fee, and the late payment will be reported to credit bureaus after 30 days. Your interest rate may also increase. Paying late does not erase the late fee — you owe both the payment and the fee. Contact Saks immediately if you know you will miss a due date.
Can I set up automatic payments for a specific dollar amount?
Yes. When you set up automatic payments through Saks.com, you can choose to pay the full balance, the minimum payment, or a fixed amount you enter. If you choose a fixed amount, make sure it is at least the minimum payment to keep your account in good standing.