Chase Sapphire Preferred vs Sephora Visa Credit Card

Common questions

Which card has the bigger sign-up bonus, Chase Sapphire Preferred or Sephora Visa Credit Card?

The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.

Is the Chase Sapphire Preferred's $95 annual fee worth it compared to the Sephora Visa Credit Card?

At $95/yr, the Chase Sapphire Preferred is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Sephora Visa Credit Card's, pick the one whose perks you'll actually use.

Can I have both the Chase Sapphire Preferred and Sephora Visa Credit Card?

Yes, since they're from different issuers (Chase 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 Chase Sapphire Preferred or the Sephora Visa Credit Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Sapphire Preferred: $5,000 spend in 3 months. 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.