How to Pay Your Saks Credit Card Bill
Where and how to send your Saks card payment
You can pay your Saks credit card bill online through your account, by phone, by mail, or in person at a Saks store. The fastest and most common method is logging into your account at saksoff5th.com or through the Saks mobile app, where you can make a one-time payment or set up automatic payments. If you prefer to call, the customer service number is on the back of your card. Payments made online or by phone typically post within one business day.
Mailing a check takes longer — usually five to seven business days from when you drop it in the mail. If you mail a payment, send it to the address listed on your statement, not to a store location. Paying in person at a Saks store is an option at some locations, though this method is less common and you should call ahead to confirm your store accepts in-person payments.
Key Takeaways
- Online payment through your Saks account or the mobile app is the fastest way to pay and posts within one business day.
- Automatic payments can be set up to pay a fixed amount or your full balance on a date you choose each month.
- Late payments trigger a fee and can damage your credit score, so paying by the due date shown on your statement matters.
- If you cannot pay the full balance, paying at least the minimum due by the due date keeps your account in good standing.
Setting up automatic payments
Automatic payments remove the risk of forgetting a due date. Log into your Saks account, go to the payment settings, and choose whether you want to pay your full statement balance or a fixed amount each month. You can select the date the payment should go out — many people choose a few days after payday to make sure funds are available.
You can change or cancel automatic payments anytime through your account. If you set up autopay for your full balance, your payment will adjust each month based on what you owe. This is useful if your balance changes month to month, but you should still check your statement to make sure the amount is what you expected.
Understanding your statement and due date
Your Saks statement shows your opening balance, all purchases and credits from that billing cycle, the amount you owe, and the due date. The due date is the last day you can pay without triggering a late fee. Payments received after 5 p.m. Eastern Time on the due date are considered late.
Your statement also lists the minimum payment — the smallest amount you must pay to keep your account in good standing. Paying only the minimum means the rest of your balance carries over to the next month and you pay interest on it. Paying the full statement balance avoids interest charges entirely.
What happens if you miss a payment
A payment that arrives after the due date triggers a late fee, which is added to your balance. The amount of the fee depends on your card agreement, but it is typically between $25 and $40 for the first late payment. If you miss a payment by 30 days or more, the late payment is reported to the credit bureaus and appears on your credit report for seven years.
If you realize you will miss a due date, contact Saks customer service before the date passes. They cannot waive a late fee, but they may be able to work with you on a payment plan or temporarily adjust your due date. Calling ahead is always better than letting a payment go unpaid.
Paying more than the minimum
Paying more than your minimum due reduces the interest you pay and gets you out of debt faster. If you have a balance, the interest rate on your Saks card is shown in your card agreement. Every dollar you pay above the minimum goes directly toward reducing that balance, not toward interest.
You can make extra payments anytime through your online account without penalty. Some people pay weekly or every two weeks instead of once a month to chip away at their balance faster. There is no limit to how many payments you can make or how much you can pay in a single month.
Payment methods and timing
Different payment methods take different amounts of time to post to your account. Online and phone payments are fastest, usually posting within one business day. Automatic payments also post within one business day on the date you select. Mailed checks take five to seven business days from the time Saks receives them, so you need to account for postal delays when calculating whether your payment will arrive by the due date.
| Payment Method | How Long It Takes to Post | Best For |
|---|---|---|
| Online account or app | 1 business day | Regular payments, one-time payments |
| Phone payment | 1 business day | When you need to speak to someone |
| Automatic payment | 1 business day | Never missing a due date |
| Mail (check) | 5–7 business days | When you prefer not to pay online |
| In-person at store | 1–2 business days | Rare; confirm availability first |
If you are paying by mail and the due date is coming up, mail your payment at least a week early to account for postal delays. Saks processes payments based on when they receive them, not when you mail them, so a check postmarked on time but arriving late is still considered late.
Frequently Asked Questions
Can I pay my Saks card with a different credit card?
No. Saks does not accept credit card payments for your Saks card bill. You must pay from a bank account (through ACH transfer), by check, or by phone using a debit card or bank account. Paying a credit card with another credit card typically counts as a cash advance and triggers higher fees and interest rates.
What if I pay online but the payment doesn't show up right away?
Online payments usually post within one business day, but it can take up to two. If more than two business days have passed and the payment still does not show, log back into your account to confirm the payment went through. If it shows as pending, wait one more day. If it shows as failed, try again or call customer service.
Do I have to pay the full balance every month?
No. You can pay any amount from the minimum due up to your full balance. Paying only the minimum keeps your account current, but you will pay interest on the remaining balance. Paying the full balance avoids interest charges entirely.
Can I change my due date?
Yes. Log into your account and look for payment settings or account management options. You can usually move your due date to a different day of the month. Some card issuers allow you to change it once per year, while others allow more frequent changes — check your account to see what your card allows.
What if I'm having trouble affording my payment?
Contact Saks customer service before your payment is late. They may be able to discuss a temporary payment plan, hardship options, or other arrangements. Calling before you miss a payment is important because it prevents late fees and credit damage, and gives you more options than calling after the fact.