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Sephora Visa Credit Card vs USAA Rewards American Express
Both are well-respected travel cards. The Sephora Visa Credit Card comes from Comenity at $0/yr; the USAA Rewards American Express from USAA 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 | USAA Rewards American Express |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase | 2,500 USAA Rewards points |
| Bonus value (est.) | $25 | $25 |
| Min spend to unlock bonus | $0 in 0 mo | $0 in 0 mo |
| Issuer | Comenity | USAA |
| Card category | cashback | rewards |
| 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
USAA Rewards American Express
$0/yr · 2,500 USAA Rewards points
Editorial take: USAA Rewards American Express
Common questions
- Which card has the bigger sign-up bonus, Sephora Visa Credit Card or USAA Rewards American Express?
- The two cards offer comparable sign-up bonuses around $25. Pick based on which earning categories you actually use.
- Is the Sephora Visa Credit Card's $0 annual fee worth it compared to the USAA Rewards American Express?
- The Sephora Visa Credit Card has no annual fee, so the question is whether the USAA Rewards American Express's $0 fee is justified by its perks. If you'll use enough of the USAA Rewards American Express'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 USAA Rewards American Express?
- Yes, since they're from different issuers (Comenity and USAA) 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 USAA Rewards American Express first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sephora Visa Credit Card: $0 spend in 0 months. USAA Rewards American Express: $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.