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Sephora Visa Credit Card vs US Bank Triple Cash Rewards Business
Both are well-respected travel cards. The Sephora Visa Credit Card comes from Comenity at $0/yr; the US Bank Triple Cash Rewards Business from U.S. Bank 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 US Bank Triple Cash Rewards Business is the stronger pick today, the sign-up bonus is meaningfully larger ($725 more in estimated value) than the Sephora Visa Credit Card's. Get the US Bank Triple Cash Rewards Business first; revisit the Sephora Visa Credit Card after you've earned that bonus.
| Feature | Sephora Visa Credit Card | US Bank Triple Cash Rewards Business |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase | $750 cash back |
| Bonus value (est.) | $25 | $750 |
| Min spend to unlock bonus | $0 in 0 mo | $6,000 in 6 mo |
| Issuer | Comenity | U.S. Bank |
| Card category | cashback | business |
| 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
US Bank Triple Cash Rewards Business
$0/yr · $750 cash back
Editorial take: US Bank Triple Cash Rewards Business
Common questions
- Which card has the bigger sign-up bonus, Sephora Visa Credit Card or US Bank Triple Cash Rewards Business?
- The US Bank Triple Cash Rewards Business has the bigger bonus, $750 cash back, worth roughly $750, 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 US Bank Triple Cash Rewards Business?
- The Sephora Visa Credit Card has no annual fee, so the question is whether the US Bank Triple Cash Rewards Business's $0 fee is justified by its perks. If you'll use enough of the US Bank Triple Cash Rewards Business'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 US Bank Triple Cash Rewards Business?
- 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 US Bank Triple Cash Rewards Business first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sephora Visa Credit Card: $0 spend in 0 months. US Bank Triple Cash Rewards Business: $6,000 in 6 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.