Sephora Credit Cards: What You Need to Know

Sephora credit cards can be a great way to earn rewards and discounts on your favorite beauty products. There are several options available, including the Sephora Credit Card and the Sephora Visa Signature Card.

The Sephora Credit Card offers 5% back in rewards points on all purchases, with no annual fee. This can add up quickly, especially for frequent Sephora shoppers.

To make the most of your Sephora credit card, be sure to use it for all your Sephora purchases, big or small. This will help you earn rewards points and stay on top of your rewards balance.

There are two versions of the Sephora Credit Card, each with its own set of benefits.

The Sephora Store Card is a store credit card that can only be used at Sephora stores and their website.

You may qualify for the Sephora Credit Card or the Sephora Visa Credit Card, depending on your credit history and financial information.

Both the Sephora Credit Card and the Sephora Visa Credit Card charge a $0 annual fee.

The Sephora Credit Card can be used to make purchases at U.S. Sephora stores or on the Sephora website, while the Sephora Visa Credit Card can be used wherever Visa cards are accepted.

Here's a quick comparison of the two cards:

The Sephora Credit Card is part of the Visa network, making it widely accepted.

You can earn 4% back in rewards on every $1 spent at U.S. Sephora stores or on the Sephora website with the Sephora credit card.

The Sephora Visa Credit Card also earns 1% back per $1 on all other purchases. Plus, as of November 2024, it earns a sign-up bonus: $20 in rewards when you spend $500 outside of Sephora in the first 90 days.

You can redeem rewards only in U.S. Sephora stores — not including Sephora locations inside other retailers — and on sephora.com. For every 125 reward dollars you earn, you get a $5 credit card reward.

For every 125 Reward Dollars you earn, you will receive a $5 Credit Card Reward. Rewards expire after 18 months, while you have 90 days from the date those credit card rewards are issued to spend them.

New cardholders can receive a benefit cosmetics gift when applying for the card in-store, but availability may be limited in certain stores.

You'll get 25% off your first purchase at Sephora when you open and use your card within 30 days of account opening.

The Sephora credit card offers a 25% discount and a $20 initial rewards bonus, making it a great option for those who spend a lot at Sephora.

If you have good or excellent credit, you can qualify for this card, but be aware that there's no intro APR on purchases, so you'll need to pay off your balance quickly to avoid interest charges.

The Sephora Visa Credit Card offers 8% rewards, which might be worth it if you're a frequent Sephora shopper and can use your Reward Dollars before they expire.

However, if you're not consistent with your Sephora spending or prefer more flexible rewards, this card might not be the best choice for you.

You can use your Sephora Credit Card anywhere Visa is accepted, making it a convenient option for travel. The card is part of the Visa network, which means you can use it virtually everywhere in the world.

However, keep in mind that there is a 3% foreign transaction fee, which will add extra charges to your international purchases. This is something to consider if you plan on using your card abroad.

The Sephora Store Card, on the other hand, has limited usage - it can only be used at Sephora stores.

You can use your Sephora Credit Card anywhere that accepts cards on the Visa network, which is virtually everywhere in the world.

The Sephora Credit Card has a 3% foreign transaction fee, so you'll incur extra charges for international purchases.

The good news is that you can use your Sephora Credit Card for all your purchases, both online and offline, without any restrictions.

The Sephora Credit Card offers 4% back in reward dollars at Sephora and 1% on all other purchases, making it a great option for frequent shoppers.

You won't have to worry about an annual fee with the Sephora Credit Card, as it's $0.

The Sephora Store Card, on the other hand, can only be used at Sephora and is not affiliated with a major card network.

Store Only credit cards offer a convenient way to shop at your favorite stores. Some cards are exclusive to specific stores, like the Sephora Credit Card.

This card can only be used at Sephora stores, making it a great option for beauty enthusiasts who frequent Sephora. You can earn rewards and discounts by using the card at Sephora.

Here are some benefits of the Sephora Credit Card:

Having a store only credit card can be a great way to save money and earn rewards on your purchases, especially if you frequently shop at a particular store.

Reward dollars expire after 18 months, so it's essential to use them before they disappear. This means you need to plan ahead and use your rewards before they're gone for good.

You can only redeem rewards in U.S. Sephora stores or on sephora.com, excluding Sephora locations inside other retailers. This might limit your options for using your rewards.

To redeem rewards, you need a minimum balance of $125 reward dollars. This can be a challenge if you're trying to accumulate points for a specific purchase.

Here are the key limitations to keep in mind:

These limitations can impact your ability to use your rewards effectively, so it's crucial to understand them before applying for a Sephora credit card.

Rewards on the Sephora Visa Credit Card can be redeemed for a specified dollar amount off qualifying purchases at Sephora stores located in the U.S. only and at sephora.com. Excludes Sephoras located inside JC Penny retail stores.

The minimum rewards balance you must have to redeem is $125 Rewards Dollars.

You have 90 days to use the Credit Card Rewards from the issue date, or they will expire.

Rewards Dollars will expire 18 months after the date that they’re posted to your account.

Here's a summary of the fine print:

You can only stack credit card rewards in-store only, and not online. If the purchase amount is greater than the Credit Card Rewards amount, you must use the Sephora store card or credit card for the remaining balance.

The cash advance limit on your Sephora Credit Card is a crucial piece of information to know. The Sephora Credit Card cash advance limit is 20% of your credit limit, and you can find more details on your monthly statement or by calling Comenity Bank customer service.

To get a cash advance at an ATM, you'll need to contact customer service to get a PIN. This is a necessary step to ensure you can access your cash advance.

The Sephora Credit Card charges fees and separate interest rates for cash advances. A fee is charged for cash advances, but the exact amount is not specified in this article.

If you're considering using your Sephora Credit Card for a cash advance, be sure to review your monthly statement or contact customer service to confirm your cash advance limit.