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Sephora Visa Credit Card vs Target Circle Card Mastercard
Both are cashback travel cards. The Sephora Visa Credit Card comes from Comenity at $0/yr; the Target Circle Card Mastercard from TD Bank 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 | Sephora Visa Credit Card | Target Circle Card Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 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 | Comenity | TD Bank |
| Card category | cashback | cashback |
| Best earning category (Sephora) | 4x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Sephora Visa Credit Card
$0/yr · 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase
Read the full review
Target Circle Card Mastercard
$0/yr ·
Editorial take: Target Circle Card Mastercard
Common questions
- Which card has the bigger sign-up bonus, Sephora Visa Credit Card or Target Circle Card Mastercard?
- 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 Target Circle Card Mastercard doesn't advertise one right now.
- Is the Sephora Visa Credit Card's $0 annual fee worth it compared to the Target Circle Card Mastercard?
- The Sephora Visa Credit Card has no annual fee, so the question is whether the Target Circle Card Mastercard's $0 fee is justified by its perks. If you'll use enough of the Target Circle Card Mastercard's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Sephora Visa Credit Card.
- Can I have both the Sephora Visa Credit Card and Target Circle Card Mastercard?
- Yes, since they're from different issuers (Comenity and TD Bank) 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 Sephora Visa Credit Card or the Target Circle Card Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sephora Visa Credit Card: $0 spend in 0 months. Target Circle Card Mastercard: no published min spend. 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.