Sephora Visa® Credit Card
A no-annual-fee cash back card from Comenity Bank.
Rates, fees, and full terms are set by Comenity Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The Sephora Visa earns 4% back in rewards at Sephora stores and sephora.com, plus double Beauty Insider points, and 1% everywhere else, with no annual fee. New cardholders get 25% off their first Sephora purchase.
For anyone who spends real money on makeup, skincare, and fragrance at Sephora, stacking 4% on top of doubled Beauty Insider points is a meaningful return. Outside Sephora it is a plain 1% card, and the rewards only spend at Sephora.
Think twice if: you shop at Sephora only occasionally, since the card earns 1% elsewhere and rewards stay at Sephora.
Our 4.4 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 4% back in credit card rewards at Sephora U.S. stores and sephora.com, along with double Beauty Insider points, and 1% back everywhere else Visa is accepted. The 4% does not apply at Sephora shops inside other retailers, such as Sephora at Kohl's. A Visa Signature version adds travel and concierge benefits with the same rewards.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 1x | Base rate |
| Groceries | 1x | Base rate |
| Gas | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: Credit card rewards are spent at Sephora and do not convert to cash. The 4% excludes Sephora at Kohl's and other Sephora shops inside other retailers, and Sephora Canada. A Visa Signature version adds Visa Signature benefits with the same rewards.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 4% back at Sephora plus double Beauty Insider points
- 25% off your first purchase
- No annual fee
- Only 1% back outside Sephora
- Rewards only spend at Sephora
- Excludes Sephora shops inside other stores
The welcome bonus
New cardholders get 25% off their first Sephora purchase placed on the card, however they apply.
First-year value vs ongoing value
| Welcome bonus | 25% off your first Sephora purchase |
| To earn it | first purchase with the card after approval |
| Est. first-year value* | $292 |
| Est. ongoing value / yr* | $292 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $292 a year on typical spending after the fee. What you see is what you get from day one.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Double Beauty Insider points at Sephora
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
Get the Sephora Visa if Sephora is where you buy your beauty products. Four percent back plus double Beauty Insider points beats most store cards.
For everything else, use a flat 2% card like the Citi Double Cash.
Alternatives to the Sephora Visa® Credit Card
Pairs well with
The Sephora Visa® Credit Card earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Sephora Visa® Credit Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
