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Lowe's Business Rewards Card from American Express vs Sephora Visa Credit Card
Both are well-respected travel cards. The Lowe's Business Rewards Card from American Express comes from American Express 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 | Lowe's Business Rewards Card from American Express | Sephora Visa Credit Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $100 statement credit | 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase |
| Bonus value (est.) | $100 | $25 |
| Min spend to unlock bonus | $1,000 in 3 mo | $0 in 0 mo |
| Issuer | American Express | Comenity |
| Card category | business | cashback |
| Best earning category (Lowes) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Lowe's Business Rewards Card from American Express
$0/yr · $100 statement credit
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, Lowe's Business Rewards Card from American Express or Sephora Visa Credit Card?
- The Lowe's Business Rewards Card from American Express has the bigger bonus, $100 statement credit, worth roughly $100, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.
- Is the Lowe's Business Rewards Card from American Express's $0 annual fee worth it compared to the Sephora Visa Credit Card?
- The Lowe's Business Rewards Card from American Express 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 Lowe's Business Rewards Card from American Express.
- Can I have both the Lowe's Business Rewards Card from American Express and Sephora Visa Credit Card?
- Yes, since they're from different issuers (American Express 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 Lowe's Business Rewards Card from American Express or the Sephora Visa Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Lowe's Business Rewards Card from American Express: $1,000 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.