Where to send your Saks Fifth Avenue credit card payment
You can pay your Saks Fifth Avenue credit card bill online through your account, by phone, by mail, or in person at a Saks store. The fastest and most convenient method is online through the Saks Fifth Avenue website or mobile app, where you can set up a one-time payment or enroll in automatic payments. If you prefer to speak with someone, you can call the customer service number on the back of your card.
Payments mailed to Saks take longer to process — typically 5 to 7 business days — so mail is best used only if you cannot pay online or by phone. In-store payments are also an option at any Saks Fifth Avenue location, though this method is less common and may have limitations on payment amounts.
Key Takeaways
- Online payment through the Saks website or app is the fastest method and posts to your account within one business day.
- You can set up automatic monthly payments so your bill is paid on the same date each month without you having to remember.
- Payments by mail should arrive at least 10 days before your due date to avoid late fees, since they take 5 to 7 business days to post.
- Paying by phone requires your account number and a routing number if you are paying from a bank account, or a debit card number if you are paying that way.
- Late payments trigger a fee and may increase your interest rate, so setting a calendar reminder or using automatic payment helps you stay on time.
How to pay online through your Saks account
Log into your Saks Fifth Avenue account on the website or open the Saks app on your phone. Look for "Account" or "Billing" in the main menu, then select "Make a Payment" or "Pay My Bill." You will be asked to enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between.
Choose your payment method: debit card, credit card, or bank account. If you are paying from a bank account, you will need your routing number and account number. Enter the information, review the payment details, and confirm. Your payment will post within one business day, and you will receive a confirmation email with a reference number.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the risk of forgetting a payment and incurring a late fee. In your Saks account, navigate to the payment section and look for "Automatic Payments" or "Recurring Payments." Select the amount you want to pay each month — full balance, minimum payment, or a fixed dollar amount — and choose the date the payment should come out each month.
Most cardholders choose to pay the full balance automatically on the due date shown on their statement. This ensures you never carry a balance and never pay interest. You can change or cancel automatic payments at any time through your account, and you will receive a confirmation when the automatic payment is set up and again each time a payment is processed.
Paying by phone or through customer service
Call the number on the back of your Saks Fifth Avenue credit card to reach customer service. A representative will ask for your account number and the amount you want to pay. You can pay with a debit card, credit card, or bank account — if using a bank account, have your routing number and account number ready.
Phone payments are processed when ready, and you will receive a confirmation number. This method is useful if you have questions about your account or need help with your payment, but it takes longer than paying online because you must wait for a representative to become available.
Mailing a check or money order
If you prefer to mail a payment, write a check or money order payable to Saks Fifth Avenue. Include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this address is different from the store address and is used only for payments.
Mail payments take 5 to 7 business days to reach Saks and be posted to your account. To avoid a late fee, your payment must arrive at least 10 days before your due date. Keep a copy of your check or a photo of the money order for your records. If your payment does not appear on your statement within 10 business days of mailing, contact customer service with your confirmation details.
What happens if your payment is late
A late payment fee is charged if your payment arrives after the due date shown on your statement. The fee amount varies but is typically $25 to $40 for the first late payment. More importantly, a late payment can increase your interest rate — the card issuer may raise your APR (annual percentage rate) if you are 60 days or more past due.
A single late payment also appears on your credit report and can lower your credit score. If you miss a payment, contact Saks customer service as soon as possible. Some issuers will waive a single late fee if you have a good payment history and call before the next billing cycle closes. The sooner you bring your account current, the better for your credit.
Payment timing and when your money posts
Online and phone payments post within one business day. Payments made before 11:59 p.m. Eastern Time on a business day typically post the next business day. Payments made on weekends or holidays post on the next business day after that. Mailed payments take 5 to 7 business days from the time they are mailed, not from the time they are received.
Your due date is set by Saks and appears on your statement. Payments must post by 11:59 p.m. Eastern Time on the due date to be considered on time. If your due date falls on a weekend or holiday, Saks will extend it to the next business day. Always plan to pay at least one business day before your due date to account for processing time.
Frequently Asked Questions
Can I pay my Saks credit card bill at a store?
Yes, you can make a payment in person at any Saks Fifth Avenue store, though this is not the most common method. Store payments may have limits on the amount you can pay and require you to speak with a cashier or customer service representative. Online or phone payment is faster and more convenient for most people.
What if I want to pay more than the minimum?
You can pay any amount between the minimum payment and your full balance. Paying more than the minimum reduces the interest you owe and pays down your balance faster. If you pay the full balance each month, you will not owe any interest charges.
Is there a fee to pay my bill online?
No, Saks Fifth Avenue does not charge a fee for online payments, phone payments, or in-store payments. Mailed payments are also free, though they take longer to process. There is no cost to pay your bill through any method.
Can I change my automatic payment date?
Yes, you can change the date, amount, or payment method for automatic payments at any time through your Saks account. You can also pause or cancel automatic payments if you need to. Changes take effect on your next scheduled payment date.
What should I do if my payment was not received?
If you paid online or by phone, check your account within one business day to confirm the payment posted. If you mailed a check, wait 10 business days before contacting customer service. Have your confirmation number or check number ready when you call. Saks can trace the payment and confirm whether it was received.