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Side-by-side
Sephora Visa Credit Card vs Wells Fargo Active Cash Card
Both are cashback travel cards. The Sephora Visa Credit Card comes from Comenity at $0/yr; the Wells Fargo Active Cash Card from Wells Fargo 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 | Wells Fargo Active Cash Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase | $200 cash rewards |
| Bonus value (est.) | $25 | $200 |
| Min spend to unlock bonus | $0 in 0 mo | - |
| Issuer | Comenity | Wells Fargo |
| 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
Wells Fargo Active Cash Card
$0/yr · $200 cash rewards
Editorial take: Wells Fargo Active Cash Card
Common questions
- Which card has the bigger sign-up bonus, Sephora Visa Credit Card or Wells Fargo Active Cash Card?
- The Wells Fargo Active Cash Card has the bigger bonus, $200 cash rewards, worth roughly $200, 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 Wells Fargo Active Cash Card?
- The Sephora Visa Credit Card has no annual fee, so the question is whether the Wells Fargo Active Cash Card's $0 fee is justified by its perks. If you'll use enough of the Wells Fargo Active Cash Card'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 Wells Fargo Active Cash Card?
- Yes, since they're from different issuers (Comenity and Wells Fargo) 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 Wells Fargo Active Cash Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Sephora Visa Credit Card: $0 spend in 0 months. Wells Fargo Active Cash Card: 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.