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Sapphire Reserve for Business vs Sephora Visa Credit Card
Both are well-respected travel cards. The Sapphire Reserve for Business comes from Chase at $795/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
For most people the Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,570 more in estimated value) than the Sephora Visa Credit Card's. Get the Sapphire Reserve for Business first; revisit the Sephora Visa Credit Card after you've earned that bonus.
| Feature | Sapphire Reserve for Business | Sephora Visa Credit Card |
|---|---|---|
| Annual fee | $795 | $0 |
| Sign-up bonus | 150,000 points | 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase |
| Bonus value (est.) | $2,595 | $25 |
| Min spend to unlock bonus | $20,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | Comenity |
| Card category | business | cashback |
| Best earning category (Chase_travel) | 8x | 1x |
| Transfer partners | chase-ur | None |
| Headline benefits |
Read the full review
Sapphire Reserve for Business
$795/yr · 150,000 points
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, Sapphire Reserve for Business or Sephora Visa Credit Card?
- The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.
- Is the Sapphire Reserve for Business's $795 annual fee worth it compared to the Sephora Visa Credit Card?
- Premium cards like the Sapphire Reserve for Business ($795/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $795+ of those credits, the math works. The Sephora Visa Credit Card at $0/yr trades some perks for a lower commitment.
- Can I have both the Sapphire Reserve for Business 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 Sapphire Reserve for Business or the Sephora Visa Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sapphire Reserve for Business: $20,000 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.
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.