The Saks / SaksFirst / Saks is a personal credit card from Saks / SaksFirst / Saks. The annual fee is $0 — no annual fee for Saks credit products. The ongoing APR is Variable, typically around 24.99% - 29.99%. Rewards: Cardholders are automatically part of the SaksFirst program (points / benefits tied to card usage). This product reports activity to your personal credit report. Pre-qualification available (soft pull)