But age can be a factor in other ways. Chase cards have access to the Chase Shopping Portal where you can earn 4% back at Sephora. Having lower scores can cause your credit card application to be denied or it can prevent you from getting the terms you want. Credit Card Rewards expire 90 days from issue date, so the card is ideal for people who spend a significant amount at Sephora each month. The Sephora Visa is a co-branded credit card from Comenity Bank (one of the leading store credit card issuers). Here’s how to use our member credit card reviews to make a well-informed decision about your next credit card. The Sephora credit cards might seem like an average store card at first glance, but once you dive into the fine print, the card is not for the casual shopper. All images used are for informative and editorial purposes, and they do not signify ownership, representation, or association with the entities displayed in said images. The offers for financial products you see on our platform come from companies who pay us. App Store is a service mark of Apple Inc. That means less time spent applying for credit cards that aren’t right for you. Sephora recently launched the Sephora Credit Card and the Sephora Visa Credit Card issued by Comenity Bank to help shoppers earn more rewards. The Sephora Visa offers a decent bonus for brand related purchases, but the rewards redemption system is so restrictive – and the minimum spend needed to generate a reward so high – that cardholders will rarely see any results for their loyalty. If you’re not interested in adding another credit card, the best way to optimize cash back at Sephora purchases is to shop through an online shopping portal like Ebates. Ebates typically earns 4% cash back, and there are often promotional periods where it goes up to 10-15%. The Sephora Visa is a co-branded credit card from Comenity Bank (one of the leading store credit card issuers). This compensation may impact how and where products appear on this website – including, for example, the order in which they appear. Several card offers and other products that appear on this website are from companies from which BestCards.com receives compensation. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you.

That's why we provide features like your Approval Odds and savings estimates. Furthermore, you’ll earn $150 cash back for spending $500 within the first 3 months of account opening — much better than earning $20 in rewards that can only be redeemed at Sephora.

Credit Karma Mortgage, Inc. NMLS ID# 1588622 |, Credit Karma Offers, Inc. NMLS ID# 1628077 |. Welcome bonus: $150 after $500 in spend within the first 90 days of account opening, Earn 5% cash back on the first $2,000 in purchases each quarter on the two categories you choose, Earn 2% cash back on your choice of an everyday category like gas stations or grocery stores. If a card has a large number of reviews and is highly rated, that can be a good indicator of quality. by Sephora, monogramming, gift wrap, taxes, shipping and processing fees or on delivery surcharges. “I knew my credit scores were OK, but not great,” she says, “so I was nervous about applying for a credit card.”. If your purchase is LESS than the Credit Card Reward being used, then any remaining value of the Credit Card Reward will be forfeited. Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can. The second signup bonus is for meeting a minimum spend on non-Sephora purchases.

Considering that this is a newly released credit card when card issuers present their biggest and best incentives, the Sephora Visa signup bonus is disappointing (and that’s not even comparing this bonus to other retail credit cards). 15% off your first card purchase at Sephora, Earn 4% on Sephora purchases in-store or online. There is only one redemption option within the Sephora Visa Rewards program, and earnings can only be used towards reward dollars (Credit Card Rewards). Your calculations can include your spouse’s income and other documented, regular payments that may not be earned through an employer, like Social Security, child support and disability. Get the most value from your credit card. This discount is automatically applied so you’ll want to have strategically plan your next makeup haul. If you’ve somehow gain multiple $5 vouchers there is a cap of 3 vouchers per in-store transaction. You can now use the Reviews feature to search for the most appropriate credit card using these insights, as well as the thousands of unbiased reviews submitted by our members. Each month, Credit Karma analyzes over 5,000,000 credit card accounts to find out more about the average cardholder for each credit card. In order to earn a $5 voucher, cardholders would have to spend $3,125 which is a dismal return rate even for a retail card. Earnings expire regardless of a cardholder’s Beauty Insider status or annual spending amount. Further, BestCards.com does not represent the companies that are mentioned on this website. “Using the reviews helped me avoid applying for credit cards that I probably wasn’t going to qualify for yet. Household income is one piece of the credit card puzzle. In addition to writing for Credit Karma, Sarah writes for Experian, LendingTree, Magnify Mo…, Image: Two friends traveling abroad taking a selfie, Image: Young couple on vacation, fooling around in front of Big Ben after learning about the 9 airlines that offer companion tickets or discount codes, Image: Two friends on a trip together after using an airline companion ticket, Image: bank-of-america-business-advantage-travel-rewards-review, Image: Woman at train station, looking up the Electronic Fund Transfer Act on her cellphone, Image: woman on couch cancelling her trip with credit card with trip cancellation insurance, Blue Cash Everyday® Card from American Express. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. It's pretty simple, actually. As long as you keep your balances low (30% or less of your credit limit), higher limits can improve your credit utilization ratio, which may help your credit scores. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. But the rewards program can be tricky to navigate – and even more difficult to generate tangible rewards – as such, only those who spend thousands at the brand should consider owning this card. A creditor can’t legally deny your application based on your age unless you’re under 18.

Qualifying for the Sephora Visa Signature card will require a credit score of Fair or higher, and applicants who do not qualify for the Visa-version of the card will automatically be considered for the Sephora store credit card. Fortunately, Credit Karma’s member credit card reviews can save you the time and frustration of sorting through and comparing hundreds and hundreds of different products. While this requirement isn’t hard to reach – this also isn’t a compelling enough bonus to justify owning the card. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. Often you’ll encounter shiny sales pitches, which could include a 0% introductory APR period, a sign-up bonus or a cash back reward. For those who are younger and haven’t had much time to build up their scores, using our member reviews can help you sort through plenty of student cards or secured cards to help you start building credit. Sephora Visa Signature Credit Card ($5,000+ credit limit). Only mortgage activity by Credit Karma Mortgage, Inc., dba Credit Karma is licensed by the State of New York. Even if your household income is on the lower end of the spectrum, there are well-rated products that you may be approved for. They are the currency of the card’s reward program and function as store credit. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. Overall, the Sephora Visa card fails to deliver a compelling reason to own it, $62.50 in rewards, even for the most loyal of customers. Our marketing partners don’t review, approve or endorse our editorial content. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Redemption Rates - Credit Card Rewards can only be redeemed for a specified dollar amount off qualifying purchases at Sephora stores located in the U.S. only and at sephora.com. Using our reviews not only helps you quickly compare lots of credit cards, but you’ll also see what our members think about each one of them. Besides having a very unattractive spend amount to earn a single reward, there are limitations when it comes to the actual usage of Sephora Credit Card Reward dollars.