Best Credit Card for Saks Off 5th in 2026
Saks Off 5th is classified under MCC 5311 (Department Stores). The best card for Saks Off 5th purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 3x on department stores — an effective return of 3.00%.
Saks Off 5th falls under the department stores category, which is a key MCC for maximizing rewards if you're using cards that offer enhanced perks at these retailers.
Maximize your rewards by using the Saks Off 5th credit card, which typically offers even higher cash back rates for purchases made at their stores.
Saks Off 5th purchases are classified under MCC 5311 (Department Stores).
MCC Details for Saks Off 5th
Best Credit Cards for Saks Off 5th (2026)
How Saks Off 5th Codes on Your Statement
When you pay at Saks Off 5th at their locations, your card issuer sees MCC 5311 in the transaction data. This code tells your bank that the purchase was made at a department stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "department stores" purchases, Saks Off 5th transactions will qualify — even if your card terms only mention a category name and not Saks Off 5th specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Saks Off 5th transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5311 qualifies for bonus rewards.
Bonus Category Match — Saks Off 5th
About MCC 5311: Department Stores
Merchant Category Code 5311 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Department Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5311, all qualifying card programs that include department stores as a bonus category will apply the elevated earn rate.
The Retail industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Department Stores merchants: Bealls, Belk, Bloomingdale's.
What You Could Earn at Saks Off 5th
Spending $200/month at Saks Off 5th with the Shopper Cash Rewards (3x on department stores) earns approximately $72/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $-23 more per year.