Sephora Credit Card: Benefits, Fees And Alternatives (2023)

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If you spend a lot of money on hair, makeup and skincare purchases, you may want something to show for it besides a few selfies. Thankfully, getting a credit card from Sephora can let you earn rewards on your favorite beauty and personal care products. Read below to learn how Sephora’s credit card products work and whether they could be a good option for you.

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Highlights of the Sephora Credit Card

There are three separate Sephora credit card options: the Sephora Credit Card, the Sephora Visa Credit Card and the Sephora Visa Signature Credit Card.

The Sephora Credit Card* can only be used at Sephora brick-and-mortar stores and at, while both The Sephora Visa® Credit Card* and the Sephora Visa Signature Credit Card can be used for purchases at other retailers.

The Sephora Credit Card* program is separate from Sephora’s Beauty Insider program, a free rewards program where customers can earn points on most purchases. Beauty Insiders also get a free birthday gift every year and receive access to special deals and sales. You have to sign up separately to join the Beauty Insider club, but you can do so at the same time that you apply for the Sephora Credit Card.

Sephora Credit Card Benefits

All the Sephora credit cards earn 4% back in credit card rewards on every Sephora and purchase. You’ll also get twice as many Beauty Insider points on every Sephora and purchase. Note that the credit card rewards expire just 90 days after being issued, while Beauty Insider points won’t expire until after 12 months of inactivity*.

In addition to the ongoing rewards, you’ll get 25% off your first purchase after being approved for a Sephora credit card. This offer is only valid for the first 30 days after opening the account.

There are some key differences between the Sephora Credit Card and the Sephora Visa Credit Cards. You cannot use the Sephora Credit Card outside of Sephora stores or Further, it’s not accepted in Canada or at Sephora stores that are located inside other retailers such as JCPenney.

The Sephora Visa® Credit Card*, meanwhile, can be used at most places that accept Visa cards and earns 4% back in credit card Rewards when you use your Sephora Visa® Credit Card in store or online at Sephora, 2X Beauty Insider Points for every $1 spent at Sephora, and 1% back in Credit Card Rewards on purchases outside of Sephora. It also adds an additional welcome offer of $20 Sephora Credit Card Reward after spending $500 outside of Sephora within the first 90 days of account opening. The Sephora Visa Signature Credit Card matches these benefits plus adds perks like roadside service, concierge services and more.

Fees and Interest Rates

The Sephora Credit Card has a 30.74% variable APR. The Sephora Visa and Sephora Visa Signature have a 30.74% or 21.99% variable APR, depending on your credit score.

There is a $10 or 5% balance transfer fee, whichever is higher, for the Sephora Visa card and the Sephora Visa Signature card. The balance transfer APR is 26.99%. Balance transfers are not available with the Sephora Credit Card.

The Sephora Visa card and the Sephora Visa Signature card have a 3.0% of each transaction in U.S. dollars. foreign transaction fee. You cannot use the Sephora Credit Card abroad. None of the three cards have an annual fee.

Who Is Eligible for the Sephora Credit Card?

To qualify for the Sephora Credit Card, you must meet the following criteria:

  • Have a Social Security number or State Identification number
  • Have a mailing address that is not a P.O. Box
  • Be at least 18 years old (or 19 in Alabama and Nebraska or 21 in Mississippi)

You can apply for the card through the Sephora app, online or in store. Sephora does not state its minimum credit score or income requirements.

When you apply for a Sephora credit card, the retailer will determine which of the three cards you are eligible for. Unfortunately, there’s no way to apply for a specific card.

Alternatives to the Sephora Credit Card

If you’re not convinced that a Sephora card is right for you, here are some other options:

Ultamate Rewards® Mastercard® Credit Card*

Sephora’s main competitor is Ulta, a beauty retailer that offers both luxury and drugstore products. Ulta has their own credit card as well, the Ultamate Rewards Mastercard.

When you open this card, you’ll receive 20% off your first purchase and can receive 500 welcome bonus points (worth $17.50 toward a purchase) after you spend at least $500 outside of Ulta Beauty within your first 90 days with the card. Both of those welcome offers are slightly less than what the Sephora Visa cards offer.

Cardholders earn 2 points per dollar spent at Ulta Beauty and 1 point per three dollars spent everywhere else. There is no annual fee.

Target RedCard™ Credit Card*

If you’re more into drugstore products than high-end beauty items, the Target RedCard™ Credit Card* can help you earn rewards and save money. The RedCard has no annual fee and offers a 5% discount when shopping at Target and Plus, you’ll get free two-day shipping on most orders.

Customers will also get an extra 30 days to return any item they don’t like – perfect if that lipstick shade doesn’t end up working out for you. Cardholders also receive 2% cash back on restaurant and gas purchases and 1% on all other purchases.

Nordstrom Visa® credit card*

For devotees of name-brand makeup and skincare, the Nordstrom Visa® credit card* may be a better option than the Sephora or Ulta credit cards.

You’ll earn 2 points per dollar spent on the Nordstrom credit card, 3 points per dollar spent at the Ambassador and Icon status level and 1 point per dollar spent everywhere else Visa® credit cards are accepted. Rewards can be redeemed for discounts at Nordstrom department stores and

The card provides early access to the Nordstrom Anniversary Sale and free two-day shipping in some areas. Cardholders also receive three Personal Double Points Days so they can earn twice the points three times a year.

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Who Should Get the Sephora Credit Card?

If most of your beauty purchases are from Sephora, you could benefit from opening a Sephora Credit Card. For example, if you spend $1,000 at Sephora, you’ll earn $40 in credit card rewards—enough for a couple of mascaras or an eyeshadow palette.

This does not include the extra Beauty Insider points that you’ll earn, which you can also redeem for makeup, skincare and haircare products. Plus, if you have your eyes on a pricey beauty product, using your 25% off coupon could potentially save you hundreds of dollars.

But if you mostly buy drugstore makeup and skincare, you’re probably better off getting a general cash-back credit card.


Is there a fee for Sephora credit card? ›

Earn double Beauty Insider points. Earn 4% back in rewards per dollar spent. No annual fee.

What is different about Sephora credit card? ›

The main difference between a Sephora Credit Card and a Sephora Visa Credit Card is where you can use it. The Sephora Credit Card is limited to purchases at most U.S. Sephora locations and, while the Sephora Visa Credit Card can be used at all U.S. Sephora locations and anywhere Visa cards are accepted.

What is the difference between a Sephora credit card and a Sephora Visa credit card? ›

There are 2 versions of the card

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

Can I use my Sephora credit card for other things? ›

Sephora Visa cardholders can use the Sephora Visa card anywhere Visa is accepted and earn 1% cash back on all non-Sephora purchases and Sephora department purchases at other retailers. Cash-back rewards may only be used toward Sephora purchases in-store or online.

Does Sephora Visa have an annual fee? ›

4% back in Credit Card Rewards when you use your Sephora Credit Card in store or online at Sephora. Enjoy all these benefits along with no annual fee.

How long do you have to pay off Sephora credit card? ›

We will begin charging interest on balance transfers and cash advances on the transaction date. Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

What is the difference between the white and black Sephora card? ›

Sephora Beauty Pass rewards you for your obsession! When you join, you automatically start with White. Beauty Pass status. With every purchase, you earn points and once you have reach 200 points you are upgraded to Black Beauty Pass Status.

What bank owns Sephora credit card? ›

Sephora Credit Card Accounts are issued by Comenity Capital Bank. Sephora Visa® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc.

What does Sephora black card do? ›

As a Sephora Black member, you are entitled to the following exclusive rewards and privileges: Welcome Gift - valid for 1-time use online or in stores (valid 30 days after Gold Membership has been stated) Birthday Month 2x Beauty Pass points - valid for 1-time use online or in stores (redeemable during birthday month)

What are the benefits of the Sephora Signature Visa card? ›

Once approved, you will earn 4% back on every $1 spent in Sephora U.S. stores (excluding Canada and Sephora departments inside of other retailer stores) or at , 2x the Beauty Insider points AND 1% back in rewards on spend everywhere else Visa is accepted.

How many credit cards should you have? ›

If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

Can I use a Sephora store credit at Kohl's? ›

Sephora Gift Cards are redeemable inside Sephora at Kohl's, not at all Kohl's registers. Sephora Gift cards are not redeemable on Sephora merchandise credits CAN NOT be redeemed inside a Sephora at Kohl's location.

Does closing a credit card hurt your credit? ›

Closing a credit card could change your debt to credit utilization ratio, which may impact credit scores. Closing a credit card account you've had for a long time may impact the length of your credit history. Paid-off credit cards that aren't used for a certain period of time may be closed by the lender.

What can you buy with a Sephora card? ›

A Sephora Gift Card is a prepaid card that can be used to purchase any product in all Sephora stores, both physical and online. Sephora is a company that deals mainly in beauty and skincare products like body cream, perfumes, makeup kits and many others.

Can you turn Sephora card into cash? ›

You have the option to convert your Sephora card to Cash or assets, such as digital assets. You can exchange your Sephora card and get its cash value. This allows you to spend the money anywhere you want, without restrictions. You can also use the money to buy digital assets like Bitcoin or USDT.

Does a Sephora account cost money? ›

Sephora's loyalty program, Beauty Insider, has three status tiers: Insider, VIB, and Rouge. You'll be eligible for benefits and reward opportunities, which vary by tier level. It's free to join, but the two higher tiers have required annual spending minimums to achieve.

How much is $100 Sephora card? ›

$100 Sephora gift Price

Using Astro Africa's rate calculator, the physical gift card for Sephora in this price range is exchanged at NGN 410.40/$ and the e-code is traded at NGN 374.40/$. A $100 Sephora physical card is valued at NGN 41,040 and the e-code is valued at NGN 37,440.

Does Ulta credit card have a fee? ›

Ulta Credit Card Benefits

Both cards have no annual fees, offer 20% off your first purchase at Ulta Beauty and 2 points per dollar on every Ulta Beauty purchase (1 point as a general member and 1 point as a credit card holder).

What is the $1 credit card fee? ›

When a subscription is purchased using a credit or debit card, the merchant bank that processes the payment places a temporary hold on the purchaser's card for $1. The purpose of the hold is to validate the ability to complete the transaction. Once the purchase completes successfully, the $1 hold is removed.


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