Using our reviews not only helps you quickly compare lots of credit cards, but you’ll also see what our members think about each one of them. Credit Card Rewards expire 90 days from issue date, so the card is ideal for people who spend a significant amount at Sephora each month. In order to earn a $5 voucher, cardholders would have to spend $3,125 which is a dismal return rate even for a retail card. Before we dive into key features of each card, there is some fine print that applies to all of the cards. Considering that this is a newly released credit card when card issuers present their biggest and best incentives, the Sephora Visa signup bonus is disappointing (and that’s not even comparing this bonus to other retail credit cards). Some credit cards, like the Blue Cash Everyday® Card from American Express and the Capital One® Platinum Credit Card, have been positively reviewed by hundreds of our members. Ebates typically earns 4% cash back, and there are often promotional periods where it goes up to 10-15%. If your purchase is LESS than the Credit Card Reward being used, then any remaining value of the Credit Card Reward will be forfeited. Sephora Visa® Credit Card Review. For all non-Sephora purchases, the card will generate a standard 1% back, which means that this card should only be considered for use outside of the store to meet the signup bonus or if this is the only rewards card that you own. The Sephora Visa is a co-branded credit card from Comenity Bank (one of the leading store credit card issuers). Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. The Sephora Visa Credit Card can be used at Sephora and anywhere that takes Visa. Excludes Sephoras located inside JC Penny - You will not earn 4% on purchases from a Sephora located inside JC Penny. As is expected of retail credit cards, it offers a decent return on purchases at their stores (4% back) but has few perks beyond that. All images used are for informative and editorial purposes, and they do not signify ownership, representation, or association with the entities displayed in said images. Reward Dollars expire after 18 months, meaning that those who don’t spend at least $3,125 at the store per 1.5 years will find themselves without enough points to redeem for any cash value. Earning one dollar’s worth of a Credit Card Reward requires 25 Reward Dollars (points) – the equivalent of spending $625 at Sephora. Household income is one piece of the credit card puzzle. Editorial Disclosure – The opinions expressed on BestCards' reviews, articles, and all other content on, or relating to, the website are solely those of the content's author. Chase cards have access to the Chase Shopping Portal where you can earn 4% back at Sephora. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. If there are only a few ratings, it could be an indicator that the card is newer to the market or comes from a smaller lender. 15% off your first card purchase at Sephora, Earn 4% on Sephora purchases in-store or online. Fortunately, there are many credit card products available for those who want to build their scores. Each month, Credit Karma analyzes over 5,000,000 credit card accounts to find out more about the average cardholder for each credit card. Further, BestCards.com lists credit card offers that are updated regularly with information believed to be accurate to the best of our knowledge. The Sephora Credit Card is a store only card, meaning that it can only be used at Sephora stores. The Sephora Visa would not be a good fit for the average shopper or even a makeup artist, as both would do better with a flexible cash-back card that would generate significantly larger returns and have the additional benefit to use those earnings as they please. Several card offers and other products that appear on this website are from companies from which BestCards.com receives compensation. User ratings can help you balance reality against an exciting sales pitch. “Welcome Offer”: $20 Sephora Credit Card Reward after spending $500 outside Sephora within the first 90 days of account opening, Earn 1% on all other purchases outside Sephora, Emergency card replacement, lost/stolen card reporting. The Sephora Visa offers a decent bonus for brand related purchases, but the rewards redemption system is so restrictive – and the minimum spend needed to generate a reward so high – that cardholders will rarely see any results for their loyalty. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. Earnings expire regardless of a cardholder’s Beauty Insider status or annual spending amount. However, this does offer a larger return compared to spending $500 with a generic flat-rate 2% cash back card. Minimum Rewards Redemption - The minimum rewards balance you must have to redeem is $125 Rewards Dollars, Once you accumulate $125 Rewards Dollars, you’ll be issued a $5 Credit Card Reward, $125 Rewards Dollars = $5 Credit Card Reward. Your calculations can include your spouse’s income and other documented, regular payments that may not be earned through an employer, like Social Security, child support and disability. The Sephora Visa is a co-branded credit card from Comenity Bank (one of the leading store credit card issuers). For casual shoppers, there are a handful of alternative credit cards that have better welcome offers and competitive cashback rates. In addition to earning credit card rewards, you’ll also have access to Beauty Insider Benefits. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. But focusing only on the benefits can mean ignoring the stuff that matters. by Sephora, monogramming, gift wrap, taxes, shipping and processing fees or on delivery surcharges. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. These reward dollars are applied at checkout to lower your total purchase price. It’s accurate to the best of our knowledge when posted. There is only one redemption option within the Sephora Visa Rewards program, and earnings can only be used towards reward dollars (Credit Card Rewards). The first is a one-time coupon for 15% off your first purchase after opening an account and expires after 30 days. The Sephora credit cards might seem like an average store card at first glance, but once you dive into the fine print, the card is not for the casual shopper. Our marketing partners don’t review, approve or endorse our editorial content. This site may be compensated through third party advertisers. Fortunately, Credit Karma’s member credit card reviews can save you the time and frustration of sorting through and comparing hundreds and hundreds of different products. Sephora recently launched 3 credit cards. Redeeming Credit Card Rewards - You can only stack credit card rewards in-store only, and not online. Most of us don’t have the time or the patience to sift through all the available credit cards on the market. I was surprised that I still had a lot of options though,” Davis says. For those who are younger and haven’t had much time to build up their scores, using our member reviews can help you sort through plenty of student cards or secured cards to help you start building credit. That means less time spent applying for credit cards that aren’t right for you. Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748). There is no annual fee, but the reward redemption rules are confusing and have so many restrictions that the casual shopper will find it difficult to generalize any rewards – and even harder to justify owning it. It provides beauty shoppers with cash voucher rewards and operates separate of Sephora’s Beauty Insider program. Using our reviews not only helps you quickly compare lots of credit cards, but you’ll also see what our members think about each one of them. “I knew my credit scores were OK, but not great,” she says, “so I was nervous about applying for a credit card.”. Even if your household income is on the lower end of the spectrum, there are well-rated products that you may be approved for. Credit Card Rewards expires 90 days after being earned. Should the item you are purchasing be worth less than the voucher amount, any remaining value is forfeited (i.e. For those who trust themselves to use a credit card wisely, the card with the highest credit limit has some appealing benefits. 16.99% or 25.74% variable based on creditworthiness and the Prime Rate, $20 signup bonus after spending $500 outside of Sephora within 90 days, Are a current VIB Rouge member (minimum $1000 spend per year), Have access to a standalone branch (not located within a JCPenny), Already have a rewards credit card for everyday purchases such as dining or travel. Credit Karma Mortgage, Inc. NMLS ID# 1588622 |, Credit Karma Offers, Inc. NMLS ID# 1628077 |. Concerned that your age will affect your ability to qualify for a credit card? That's why we provide features like your Approval Odds and savings estimates. 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