Sephora Credit Card – Benefits, Features, Costs, and How to Apply

The Sephora credit card is a must-have for beauty enthusiasts who want to save money on their favorite makeup, skincare, haircare, fragrances, and more.

Offering unmatched rewards and discounts exclusively for Sephora devotees, this card delivers exceptional value through perks like up to 4% cash back and augmented Beauty Insider bonuses on every Sephora purchase you make.

The Sephora credit card also provides financing options for those more expensive splurges, helping you affordably achieve the look you desire. With so many loyalty benefits tailored specifically to Sephora shoppers, this card alleviates the high costs often associated with premium beauty products.

Benefits of the Sephora Credit Card

The biggest benefit of the Sephora credit card is the rewards you’ll earn. Here are some of the valuable perks:

#1. Up to 4% Cash Back at Sephora

All three versions of the Sephora credit card offer 4% cash back rewards on purchases made at Sephora stores and Sephora.com. This adds up quickly if you frequently shop at Sephora.

#2. Double Beauty Insider Points

In addition to the cash-back rewards, you’ll also earn double Beauty Insider points per dollar on all Sephora purchases. Beauty Insider is Sephora’s free loyalty program. These extra points can be redeemed for deluxe product samples and other rewards.

#3. 25% Off Your First Purchase

You’ll get 25% off your initial purchase made with the Sephora credit card within the first 30 days. This discount applies to one transaction only, but it can lead to major savings on a big haul.

#4. Special Financing Offers

From time to time, Sephora may offer special financing options on purchases over a certain amount for cardholders. This allows you to spread out payments over several months with deferred interest.

#5. Roadside Assistance

The Sephora Visa Signature card includes complimentary 24/7 roadside assistance. So if you ever break down or have car trouble while traveling, help is just a phone call away.

Features and Differences Between the Cards

There are three different Sephora credit cards to choose from:

Sephora Credit Card
Sephora Visa Credit Card
Sephora Visa Signature Credit Card

While the core rewards benefits are similar across all three cards, there are some key differences in features:

Sephora Credit Card

Can only be used at Sephora stores and Sephora.com
Not accepted at Sephora stores inside JCPenney or in Canada

The Sephora Visa Credit Card

Can be used anywhere Visa is accepted
Earns 1% cash back on non-Sephora purchases
$20 statement credit bonus after spending $500 outside Sephora in the first 90 days

Sephora Visa Signature Card

Includes all the regular Visa card benefits plus:
Complimentary roadside assistance
Access to Visa Signature Luxury Hotel Collection
Premium travel and shopping benefits
Higher credit limits

So the Visa Signature card offers the best features and perks overall. But keep in mind you’ll need excellent credit to qualify for it over the basic Sephora card.

Costs and Fees

Fortunately, there are no annual fees for any of the three Sephora credit cards. The regular APR ranges from 21.99% to 30.74% depending on the card and your creditworthiness. Here are some other rates and fees to be aware of:

Foreign transaction fee – 3% (Visa cards only)
Balance transfer fee – $10 or 5%, whichever is greater
Late payment fee – up to $41
Returned payment fee – up to $41

As you can see, the basic Sephora store-only credit card avoids most fees. But the Visa cards charge typical credit card fees and rates. It’s important to pay your full statement balance by the due date each month to avoid interest charges.

How to Apply for the Sephora Credit Card

If you’re ready to apply, you have three easy options:

Apply online at Sephora.com
Download the Sephora app and apply right from your phone
Visit any Sephora retail store and ask an associate for an application

When applying, you’ll need to provide basic personal information such as:

Your name
Date of birth
Social Security Number
Home address
Estimated annual income
Employment details

Sephora does not publish specific credit score or income requirements for approval. But most credit card issuers prefer scores of 670 and above.

Once submitted, you’ll receive either an instant decision or a decision by mail within 7-10 business days. If approved, you can activate your new card and begin enjoying rewards and financing right away!

Tips to Activate Your New Sephora Credit Card

You should receive your physical Sephora credit card by mail within two weeks after approval. It may arrive earlier for instant approvals.

To activate it, simply call or go online to the activation website provided with your card. You’ll be prompted to provide identifying details and create a new PIN.

Once successfully activated, you can immediately begin using your Sephora card in-store or online for purchases. Just remember your first transaction needs to happen within 30 days to get the 25% welcome discount.

How to Login and Manage Your Sephora Card Account

Comenity Bank issues all Sephora credit cards. So you’ll use their online portal or mobile app to manage your account.

To log in, you’ll need your card number, the last four of your SSN, and the activation PIN you created.

Through your online account dashboard, you can:

Check your available credit, balance, and statements
Make one-time or recurring payments
Set up alerts and notifications
Participate in credit education programs
Report lost or stolen cards
Update your personal and contact information

You’ll also have access to Comenity’s dedicated credit advisors for assistance if any issues arise.

Making Your Sephora Credit Card Payments

Your Sephora credit card statement closing date is the same each month. The payment due date will be at least 21 days later.

You have multiple ways to pay your bill on or before the due date:

Pay Online

Make Payment By Phone

Call the automated payment system anytime using your 16-digit card number and payment details.

Pay By Mail

Send a physical check or money order to the payment address listed on your monthly statement. Include your account number on the memo line.

To avoid late fees and interest charges, always pay at least the monthly minimum amount due. But for the best credit benefit, try to pay off your full statement balance each billing cycle.

Conclusion

For beauty enthusiasts, the Sephora credit card offers money-saving rewards and discounts with every makeup, skincare, or haircare splurge. Between the generous 4% cash back at Sephora and 25% off your first purchase, it doesn’t take long for this card to pay for itself.

Just be mindful of interest rates and fees if you revolve a balance each month. But in all the Sephora card is a great way to still indulge your beauty obsession without having so much strain on your wallet.