HomeFinance5 Things to Know About the Sephora Credit Cards

5 Things to Know About the Sephora Credit Cards

The Sephora household of bank cards, issued by Comenity, are retailer bank cards that earn additional rewards at the chain of magnificence merchandise shops. However, relying on which card you qualify for, rewards on non-Sephora purchases are restricted or nonexistent. Unless you head to Sephora often for magnificence hauls, at most you’ll often get a number of {dollars} off a purchase order.

Here are 5 issues to find out about the Sephora bank cards.

1. There are 3 variations of the card

Depending in your credit score historical past and different monetary info you present in your card utility, you could qualify for one in all these three Sephora bank cards:

    (*5*)

    The Sephora Credit Card, which can be utilized to make purchases at U.S. Sephora shops or on the Sephora web site.

    (*5*)

    The Sephora Visa Credit Card, which can be utilized wherever Visa playing cards are accepted.

    (*5*)

    The Sephora Visa Signature Credit Card, which will also be used wherever Visa is accepted and affords Visa Signature journey advantages together with a concierge service and roadside help.

All of the playing cards cost a $0 annual charge.

2. Sephora purchases earn extra rewards

All three playing cards earn 4% again (in rewards, not money again) on each $1 spent at U.S. Sephora shops or on the Sephora web site.

The Sephora Visa Credit Card and Sephora Visa Signature Credit Card additionally earn 1% again per $1 on all different purchases. Plus, as of this writing, they earn a sign-up bonus: $20 in rewards whenever you spend $500 exterior of Sephora in the first 90 days.

3. Sephoras inside different retail shops don’t depend

That 4% rewards fee counts solely whenever you store at standalone Sephora shops. Locations inside different retailers, like Sephora stands in J.C. Penney shops, don’t qualify.

If you don’t dwell close to an eligible Sephora retailer, you possibly can nonetheless earn this excessive rewards fee whenever you store on-line with Sephora.

4. Credit card rewards work in tandem with the Beauty Insider program

As a Sephora cardholder, you’ll be robotically enrolled in Beauty Insider, the retailer’s loyalty program.

This means you’ll earn each bank card rewards and Beauty Insider factors on all eligible purchases, and you’ll mix these two swimming pools of rewards for future purchases.

5. Reward redemption is proscribed

You can redeem rewards solely in U.S. Sephora shops — not together with Sephora places inside different retailers — and on sephora.com. For each 125 reward {dollars} you earn, you get a $5 bank card reward, and rewards are issued in $5 increments.

Those rewards expire extra rapidly than a bottle of fragrance left on a sunny windowsill. Earned reward {dollars} expire after 18 months, whilst you have 90 days from the date these bank card rewards are issued to spend them.

In different phrases, when you get that $5, you don’t have too lengthy to spend it. That additionally makes it exhausting to stockpile factors in the hopes of offsetting the value of a big buy — a lot for a deep low cost on that $500 blow dryer you’ve been eyeing.

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