Sephora Visa Credit Card
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferWelcome offer: 25% off a single Sephora.com purchase made within 14 days of approval (one-time use, applied as a promo code emailed to the cardholder after account opening) PLUS 4X Beauty Insider points on that first purchase. No minimum-spend hurdle. The 25% discount caps at the value of the order (no published hard dollar cap, but the discount cannot be combined with most stacking promos and excludes brand-exclusion list items: Chanel, Dior beauty, La Mer, gift cards, services). Issued by Comenity Capital Bank (Bread Financial) on the Visa network; this is a store loyalty card with an optional Visa-network upgrade; the base 'Sephora Credit Card' is closed-loop (Sephora-only), and the 'Sephora Visa Credit Card' (this product) adds open-loop Visa acceptance worldwide.
Benefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Important considerations
- Charges foreign transaction fees
This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.
- Rewards do not transfer to travel partners
Rewards are fixed cash back with no airline or hotel transfer partners, so you cannot convert them into points for premium cabin or outsized award value.
Based on this card's terms last verified May 2026.
Earning rates
6- 4x
Welcome bonus stacks 4X Beauty Insider points on that same first Sephora.com purchase, at the standard Beauty Insider redemption rate (~$0.01-$0.0125 per point depending on Rewards Bazaar tier), the points alone return roughly $0.04-$0.05 per dollar on top of the 25% discount
- 4x
4X Beauty Insider points per $1 spent at Sephora (Sephora.com, Sephora U.S. standalone stores, and the Sephora app), versus 1X for non-cardholders, this is a permanent 4X earn for cardholders
- 4x
4X Beauty Insider points per $1 spent at Sephora at Kohl's (in-store and via Kohls.com Sephora shop), same 4X earn as standalone Sephora; the only co-brand card that earns the elevated multiplier at the Kohl's partnership locations
- 1xdining
1X Beauty Insider point per $1 spent everywhere else Visa is accepted (groceries, gas, restaurants, travel, online merchants outside the Sephora ecosystem), points pool with Sephora purchases into the same Beauty Insider balance
- 4x
Best-fit use case: heavy Sephora spenders ($500+/year on beauty) who want to stack the 4X Beauty Insider points + free shipping + $25 birthday gift + exclusive sale access on top of their existing Beauty Insider tier, the math works as a category-pure store card, not as a general-purpose rewards card
- 1x
Math reality check on the 1X 'everywhere else' rate: at ~$0.04-$0.083 per point of Beauty Insider redemption value, the non-Sephora earn returns roughly 0.4%-0.83%, well below the 2%+ floor of generic cash-back cards (Citi Double Cash, Fidelity Visa, Wells Fargo Active Cash); use this Card only at Sephora and Sephora at Kohl's, and put non-Sephora spend on a real rewards card
Statement credits
2- $25Birthday GiftYearly
$25 birthday gift each year for cardholders, usable on Sephora purchase during birthday month
- $25$25 birthday gift each year for cardholders
$25 birthday gift each year for cardholders: a $25 promotional credit usable on a Sephora.com or in-store purchase during the cardholder's birthday month (must be redeemed within the birthday month; cannot be combined with the welcome 25% offer or stacked with most other promos)
Perks & memberships
2- RedemptionBeauty Insider points redeem inside the Rewards Bazaar: 250 points = $10 off purchases, 500 = $25, 750 = $50, 1,000 = $75, 1,500 = $125, the redemption value scales non-linearly, with the 1,500-point tier returning ~$0.083 per point (best) and the 250-point tier returning ~$0.04 per point (floor)
- Status earningBeauty Insider tier acceleration: cardholder spend counts toward the $0/$350/$1,000 annual thresholds for Insider / VIB / Rouge tier status, which unlock additional perks (free custom makeovers, Rouge Reward swap, free standard shipping at any tier for Rouge, etc.) independent of the Card's free-shipping perk
More benefits & fine print (6)ShowHide
- Free standard shipping on every Sephora.com order, no minimum (vs. the standard $50/$35 minimum for non-cardholders depending on Beauty Insider tier), applies automatically when paying with the Sephora Visa
- Free 2-day shipping at Sephora.com during specific cardholder promotional windows (typically holiday season, Beauty Insider Sale events, and Card-Member Appreciation periods), communicated via email and at checkout when active
- Exclusive cardholder sales access: early access windows to Sephora Beauty Insider Sale (Rouge / VIB / Insider tiers) and cardholder-only flash sales, typically 24-72 hours ahead of public access
- Visa network acceptance: usable globally anywhere Visa is accepted; the closed-loop 'Sephora Credit Card' variant works only at Sephora, the Visa upgrade is what makes this product useful as a daily-spend card
- Mobile wallet support: Apple Pay, Google Pay, Samsung Pay enrollment supported via the Comenity / Bread Financial servicing app
- Store-loyalty-card reality: this is a closed-loop beauty-rewards Card with an optional Visa-network shell, the value proposition collapses outside Sephora; treat it as a free-to-hold supplement to a Rouge / VIB Beauty Insider account, not as a primary daily-spend Card
Before you decide, weigh alternatives
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See the Current Offer
Earn 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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