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Sephora Credit Card review

Earn 4% back in Sephora rewards on purchases in-store and online.

  • Get this card if you often shop at Sephora and
  • Pick something else if you want a card with a higher rewards rate outside the store.
  • Apply with a fair credit score of 580 or higher for best chances of approval.
1.0 ★★★★★ (2 reviews) Write a review


Welcome offer

Up to 4%

Cash back


Annual fee


Purchase APR (variable)


Annual fee$0
Welcome offer$20 after spending $500 outside Sephora in the first 90 days
RewardsEarn 4% back in rewards in stores or online at Sephora and 1% everywhere else
Purchase APR25.74% variable
Balance transfer APRN/A
Minimum Credit Score580

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

Sephora Credit Card — issued by Comenity Capital Bank — is designed with Sephora regulars in mind. With 4% back in Sephora reward dollars on purchases made at the store and online at, it’s unlikely you’ll find a more rewarding option. What’s more, you get a 15% discount on your first purchase at the store when you open your account.

That said, there are two versions of the card — a Visa Signature version and a store card version. The difference between the two is that you can use the Visa card outside the store, to buy groceries, gas or whatever you need, while you can only use the store card version at Sephora. There’s only one application form and the card you get mostly depends on your creditworthiness.

One downside of this card is the redemption options. You earn Sephora rewards dollars on your purchases and you get a rewards certificate at the end of your billing cycle. Rewards certificates expire 90 days after issuance and you can only redeem for purchases at Sephora. With the Citi® Double Cash Card, for example, you earn twice as low on Sephora purchases, but you can redeem your rewards for cash, which you spend wherever you want.

Despite these limitations, no matter which version you get, the Sephora Credit Card is a great way to save money on your Sephora purchases. Since the card has no annual fee and offers rewards on Sephora purchases, the card is worth it if you shop at Sephora.

How to apply for the Sephora Credit Card

Applying for the card is fast and easy. Here’s how it works:

  1. Visit the website and find the card at the bottom of the page.
  2. Click Apply now.
  3. Fill out the application form.
  4. Review the form and submit.

Note: If Sephora approves your application, you’ll get a temporary credit card valid for 14 days with a $500 credit limit and a maximum of four transactions to use at the store until the physical card arrives.

What credit score do I need?

You can get the store card version with a fair credit score of 580, but to get the Visa Signature version, apply with at least a good credit score of 670.

Sephora Credit Card benefits

  • Cash back. Earn 4% back in rewards dollars on purchases at US Sephora stores and Purchases made at Sephora stores in Puerto Rico, Canada, and Sephora inside JCPenney retail stores don’t qualify for 4% back. You also earn 1% back on all other purchases with the Sephora Credit Card, but not with the store card.
  • Signup bonus. Get a 15% discount on your first purchase when you open your account. You also earn a $20 Sephora rewards with the Sephora Visa card when you spend $500 outside Sephora stores within the first 90 days when you open your account.
  • No annual fee. The card costs $0 annually to own.

What to watch out for

  • Two Sephora credit cards. One is a Sephora Visa Signature card, which you can use wherever Visa cards are accepted. The other is a store card you can only use at Sephora. Both cards use the same credit card application and approval is based on creditworthiness.
  • Credit card rewards expire. Your rewards certificate expires 90 days after issuance.
  • No intro APR period. The card doesn’t have a 0% intro APR period on purchases or balance transfers.
  • Foreign transaction fee. Using the Visa card abroad or online with foreign merchants will cost you a 3% fee of the amount.

Compare store credit cards

Below are other store credit cards that can help you earn rewards at your favorite stores. Consider these cards if you frequently shop at these stores.

Name Product Filter values Rewards Purchase APR Annual fee
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Sam's Club® Mastercard®
Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
14.9% to 22.9% variable
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
Net First Platinum
Up to $299.40
Build your credit history with an unsecured line of credit.

Compare up to 4 providers

Bottom line

The Sephora Credit Card comes with 4% back in rewards at eligible Sephora stores and It also has a $0 annual fee, which makes the card a great addition to the wallet of any Sephora regular. If this card isn’t right for you, consider comparing other store credit cards.

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