Sephora Credit Card Review 2023

 ÂHave you ever shopped from Sephora, you can tell that the experience is worth the time.

Well, Sephora Beauty Store now offers a reward credit card for its loyal customers.

So, if you are a frequent shopper at Sephora, this credit card is worth a space in your wallet.

However, Sephora offers two credit card options you can choose from.

The first is the Sephora visa credit card which is accepted anywhere visa Cards are accepted. Hence, this includes Sephora Beauty Stores.

The next credit card option is the Sephora credit card which is only accepted at Sephora stores.

However, in this article, we will focus on the Sephora credit card. Thus, we will provide you with useful info about Sephora Credit Card.

So, if you’re interested in this card, read this article carefully. With that in mind let’s begin.

Sephora Credit Card (How does it work)

When you apply for a Sephora Credit Card, you’ll be considered for the Sephora Visa Card.

But, if you don’t have the required Credit History, you’ll now be considered for the Sephora Credit Card.

However, if you shop often from Sephora, this might be fine. But outside Sephora, the Sephora Credit Card is useless.

Hence, note that you can select which Sephora card you get. Instead, Comenity Capital Bank will decide which Sephora Card you’re qualified for.

Sephora Credit Card Rewards

Before we begin, note that you can earn points in two ways with your Sephora Credit Card.

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Having said that, let’s begin with the credit card’s basic reward.

With your Sephora credit card, you’ll get the following:

  • 4 points for each dollar spent on purchases from or Sephora Stores.
  • 1 point on purchases made with your Sephora Visa Card outside Sephora.

Note: You’ll only get 1 point when you make purchases at the Sephora department from another retailer.

Hence, you will get this reward when you make this purchase with your Sephora Visa Card.

However, for every 125 points earned, you’ll be rewarded a $5 reward towards a future Sephora order.

Also, you’ll be rewarded 2 Beauty Insider points for every dollar spent using your card at Sephora.

Hence, for every 500 Beauty Insider points earned, you’ll get $10 off a Sephora order of $10 or more.

However, you can decide to combine both rewards and redeem them on the same purchase.

For instance, if you have a $5 reward and 500 Beauty Insider points, you can combine them to get $15 off a Sephora order.

Other Sephora Credit Card Rewards

The Sephora credit card offers quick approval on credit card applications. Once you’ve been approved, you can get 25% off purchases when you use your card that same day.

However, you can also use the 25% discount on a different purchase within 30 days of card approval.

On the other hand, you can get a $20 Sephora reward as a Sephora Visa cardholder. To get this offer, you must spend at least $500 outside Sephora within 90 days as a new cardholder.

Thus, this equals 4 points whereas the card usually offers only 1 point on orders outside Sephora.

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Important Notes about the Sephora credit card reward program

Here are a few things to note about the Sephora credit card reward program:

  • Rewards expire in 90 days

Note that all rewards expire in 90 days from the initial day you earn them. Hence, when you get the 125 points needed to get the $5 reward, it will be sent to you instantly.

Thus, note that this $5 reward expires in 90 days from the day you get it. So we advise you to use your reward to avoid losing it.

  • Points below the $5 limit expire in 18 months

If you earn reward points but are not enough for the $5 reward, your points will expire in 18 months.

Hence, this is 18 months from the initial day you earned the points. So make purchases using your Sephora credit card to get more points.

  • Reward certificates are stackable

If earn more than the $5 reward, you can use all your rewards toward Sephora purchases.

However, keep in mind that you’re limited to using just 3 rewards at once on purchases from

Yet, at a Sephora store, you are free to use your reward as you like as there is no limit.

  • Rewards can’t be redeemed at Sephora department in other stores

Sephora does not allow you to redeem your reward at Sephora departments in other stores.

Hence, you can only redeem your reward on or at Sephora stores.

  • APR of 21.24% to 29.99% on purchases or balance transfers

Your APR depends on your credit history. Hence, if you have a good credit history, you have a chance of getting a better APR.

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Thus, you don’t want to carry a balance at these high rates.

  • 0% Annual Fee

The Sephora credit card or Sephora Visa Credit has no annual fee linked to it.

Sephora Credit Card and Sephora Visa Card Comparison

Cardholders Benefits Sephora Credit Card Sephora Visa Card
25% off your first card purchase at Sephora YES YES
4% Back in rewards in stores or online at Sephora YES YES
1% cash back rewards on purchases outside Sephora. NO YES
$20 Sephora Credit Card Reward on your first $500 spent outside Sephora within the first 90 days. NO YES
2X Beauty Insider Points YES YES
Exclusive card member offers YES YES
No annual fee YES YES
Account Lookup in store YES YES


Difference between Sephora reward points and Beauty Insider Points

The difference is in how they are given and when they expire. Hence, Credit card rewards are given when you reach $5 in rewards and it expires in 90 days.

Whereas, Beauty Insider points don’t expire. Unless you have no activity in your account for 12 months.

In other words, that is if you have redeemed or made a purchase from Sephora for 12 months.

Final Words

In summary, we’ve gathered all the info, you need about Sephora Credit cards in this article.

Hence, make sure you read through to get all the info you need about Sephora Credit Card.

Thus, if you have any questions, drop them in the comment section below.

Having said that, thank you for reading!