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Side-by-side
Capital One Platinum Secured Mastercard vs Sephora Visa Credit Card
Both are well-respected travel cards. The Capital One Platinum Secured Mastercard comes from Capital One 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 | Capital One Platinum Secured Mastercard | 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 | Capital One | Comenity |
| Card category | secured | cashback |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One Platinum Secured Mastercard
$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, Capital One Platinum Secured Mastercard 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 Capital One Platinum Secured Mastercard doesn't advertise one right now.
- Is the Capital One Platinum Secured Mastercard's $0 annual fee worth it compared to the Sephora Visa Credit Card?
- The Capital One Platinum Secured Mastercard 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 Capital One Platinum Secured Mastercard.
- Can I have both the Capital One Platinum Secured Mastercard and Sephora Visa Credit Card?
- Yes, since they're from different issuers (Capital One 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 Capital One Platinum Secured Mastercard or the Sephora Visa Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Platinum Secured Mastercard: 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.