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Bank of America Customized Cash Rewards Credit Card vs Sephora Visa Credit Card
Both are cashback travel cards. The Bank of America Customized Cash Rewards Credit Card comes from Bank of America at $0/yr; the Sephora Visa Credit Card from Comenity at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Bank of America Customized Cash Rewards Credit Card | Sephora Visa Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Not advertised | 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase |
| Bonus value (est.) | - | $25 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | Bank of America | Comenity |
| Card category | cashback | cashback |
| Best earning category (Choice_category) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Bank of America Customized Cash Rewards Credit Card
$0/yr ·
Read the full review
Sephora Visa Credit Card
$0/yr · 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase
Editorial take: Sephora Visa Credit Card
Common questions
- Which card has the bigger sign-up bonus, Bank of America Customized Cash Rewards Credit Card or Sephora Visa Credit Card?
- The Sephora Visa Credit Card has a public bonus (25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase, worth roughly $25), while the Bank of America Customized Cash Rewards Credit Card doesn't advertise one right now.
- Is the Bank of America Customized Cash Rewards Credit Card's $0 annual fee worth it compared to the Sephora Visa Credit Card?
- The Bank of America Customized Cash Rewards Credit Card has no annual fee, so the question is whether the Sephora Visa Credit Card's $0 fee is justified by its perks. If you'll use enough of the Sephora Visa Credit Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Bank of America Customized Cash Rewards Credit Card.
- Can I have both the Bank of America Customized Cash Rewards Credit Card and Sephora Visa Credit Card?
- Yes, since they're from different issuers (Bank of America and Comenity) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bank of America Customized Cash Rewards Credit Card or the Sephora Visa Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Customized Cash Rewards Credit Card: no published min spend. Sephora Visa Credit Card: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.