Sephora Visa Credit Card vs U.S. Bank Business Leverage Visa Signature

Common questions

Which card has the bigger sign-up bonus, Sephora Visa Credit Card or U.S. Bank Business Leverage Visa Signature?

The U.S. Bank Business Leverage Visa Signature has the bigger bonus, 60,000 bonus points, worth roughly $600, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.

Is the Sephora Visa Credit Card's $0 annual fee worth it compared to the U.S. Bank Business Leverage Visa Signature?

The Sephora Visa Credit Card has no annual fee, so the question is whether the U.S. Bank Business Leverage Visa Signature's $95 fee is justified by its perks. If you'll use enough of the U.S. Bank Business Leverage Visa Signature's benefits to clear $95 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 U.S. Bank Business Leverage Visa Signature?

Yes, since they're from different issuers (Comenity and U.S. 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 U.S. Bank Business Leverage Visa Signature first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Sephora Visa Credit Card: $0 spend in 0 months. U.S. Bank Business Leverage Visa Signature: $6,000 in 4 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.