Your existing account is transitioning from Capital One to Comenity Capital Bank. As a result of this transition, Comenity Capital Bank will now provide, manage and service your new Saks credit card. You’ll receive your new card in an unmarked envelope from Columbus, Ohio. Once you have it, please activate it and the cards of any  joint account holders and authorized buyers online at comenity.net/saks.

Comenity Capital Bank issues and services credit cards for many of the country’s most recognized brands. We are proud to include Saks as one of our brand partners, and we look forward to serving you.

Bread Financial is the name of Comenity Capital Bank’s parent company. You’ll begin to notice the Bread Financial logo on our website and other company communications going forward.

If you’ve been using your existing card and your account is in good standing, you won’t need to apply to receive your new card. Your account will transition to us, Comenity Capital Bank — the new issuer and servicer for Saks credit cards.

Absolutely. Continue using your existing account through August 18 at 11:59 p.m. ET. After that date, you can start using your new Saks credit card and register for online account management at comenity.net/saks.

Yes, your credit limit will transition to your new Saks credit card account. Before August 16, you can check your credit limit the way you do now through Capital One. Starting August 19, you can review your credit limit by registering for access to our online Account Center at comenity.net/saks.

Through August 15, you can call Capital One at the number on your billing statement for information about your existing account. All servicing will be temporarily paused from August 16-18 while your existing account transitions to Comenity Capital Bank. Starting August 19, you can call Comenity Capital Bank at the number on the back of your new Saks credit card.

No, you will still receive the same great benefits and rewards you do today. Your tier status will remain the same. Saks Mastercard purchases outside of Saks and Saks OFF 5TH still earn 2 Points per $1^{^}. Visit your Saks account to view your current rewards balance and tier status.

During your account’s transition to Comenity Capital Bank, we’ll automatically transfer your existing account balance to your new account.

Not always. Please review your first statement provided by Comenity Capital Bank closely for any changes as your due date may change slightly. There may be a 24-48 hour delay before your statement is available online.

Please continue making payments to Capital One as you normally do until August 15. From August 16-18 all servicing will be temporarily paused while your existing account transitions to Comenity Capital Bank. If your due date falls between August 16-18, you won’t be able to make a payment. Not to worry though, you won’t receive any late fees. You can begin making payments with us and enroll in Automatic Payments starting August 19 at comenity.net/saks.

If you have bill payments set up through another financial institution to pay your existing account, please update the payee information to Comenity Capital Bank, P.O. Box 650965, Dallas, TX 75265-0965, effective August 19. This will ensure payments won't be misdirected and will be posted to your account in a timely manner.

If you have an email address on file for your existing account as of July 11, your automatic payment preferences may transfer to Comenity Capital Bank. Be on the lookout for additional emails about this from Comenity Capital Bank and Saks.

After August 18, any recurring or scheduled payments on your Capital One account will no longer be processed by Capital One. Please make alternative payment arrangements. Since your new card will have a different card number, expiration date and CVV, please be sure to update your payment details for any automatic or recurring transactions — such as utilities, phone services or membership fees — that will be billed after August 19. This will ensure uninterrupted service while you continue to earn points for your Saks account.

If you receive a new card from Comenity Capital Bank, all authorized users and joint account holders will also receive a new card at the primary account holder’s address. Each card will have a different card number, improving the security on your account. You’ll continue to receive one billing statement each month that will include all transactions made by all users on the account. Please note that transactions will not be grouped by user.

If your existing account is enrolled in paperless statements with a U.S. address and email on file by August 15, your statement delivery preferences will transition to your new account with Comenity Capital Bank. There may be a 24-48 hour delay when your statement is available online. If you haven’t registered for Account Center within 60 days from when your account transitions to Comenity Capital Bank, we’ll automatically revert you to receive paper statements.

If your delivery preference did not transition or you aren’t enrolled in paperless statements, please visit comenity.net/saks to register for Account Center and update your preferences starting August 19. Please note that you’ll need to register for Account Center before you can review your statements or manage your account online.

Your transaction may display as "Saks Prior Card Activity" if a payment, credit, or debit has been forwarded to us from Capital One. If you have questions, please contact us via Secure Message Center. We’re always happy to help.

Effective August 16, you won’t be able to access your account information with Capital One or receive alerts associated with that account. If you need statements or transaction history prior to September 2023 for your records, please download and save your billing statements no later than August 15. You can review any statements within the last 12 months from Comenity Capital Bank online at comenity.net/saks starting August 19.

August 15 is the last day Capital One will process any payments. Any payments scheduled after August 15 will be cancelled. You will need to make a new payment with Comenity Capital Bank starting August 19 at comenity.net/saks.

Once your new card arrives in the mail, you can activate it (and any cards for your authorized buyers or joint account holders) online at comenity.net/saks. Keep in mind that you won't be able to use your card until August 19 at 8 a.m. ET. Continue using your existing account until then.

If your card was reported lost, stolen or closed before May 9, you’ll receive a new card that you can start using on or after August 19. If your card was reported lost, stolen or closed after May 9, please note that since new cards have already been mailed, you may receive a card that doesn’t work. We’ll quickly mail a replacement card to you after August 19.

Yes. Your new card will have a different card number, expiration date and CVV. If your existing account was used for any recurring subscriptions or membership fees, be sure to update those payment details with your new card information on or after August 19. Also, please remember to add your new Saks credit account number to your saks.com account for all your online purchases.

After you’ve activated your new card, continue using your old one until August 19. After this date, we recommend that you destroy your old card as it will no longer be active or valid. Remember to update your payment details for any recurring subscriptions or memberships you may have.

Yes, your new Saks Mastercard will have a new Personal Identification Number (PIN). If you’d like to request your PIN, please call us at 833-677-7257 (TDD/TTY: 888-819-1918) on or after August 19.

If you changed your address after May 9, you may not receive your new Saks credit card. If you don’t receive your new card by August 19, please call Comenity Capital Bank at 833-677-7257 (TDD/TYY: 888-819-1918) starting at 8 a.m.