Sephora Credit Card

BreadFinance Visa Pending

Back Apply Now

8

Benefits

2

Reward Categories

4x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: sephora-credit-card

Issuer: BreadFinance

Card Name: Sephora Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:49

Last Scraped: Feb 07, 2026 03:35

Apply URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of credit. The cost of credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent, including certain fees. Call 1-866-894-4440 for more information.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Sephora Purchases 4x Points Purchases made at Sephora stores or sephora.com with the Sephora Visa Credit Card. No Cap
All Other Purchases 1x Points All eligible purchases made everywhere else Visa is accepted with the Sephora Visa Credit Card. No Cap
Rewards Summary
PENDING

Reward Type: Beauty Insider Points

Base Rate: 1x

Bonus Rate: 4x

Categories: Sephora purchases

Quarterly Rotating: No

Expiration Policy: Points expire 12 months after the date they are earned if the account is inactive.

Point Value: 0.02¢

Travel Portal Multiplier: 1x

Redemption Penalties: Points are redeemable only for Sephora Credit or discounts on Sephora purchases. Not redeemable for cash.

Benefits & Protections (Detailed) 8 Total
PENDING
Financial 1
No Annual Fee
$0

The Sephora Credit Card and Sephora Visa Credit Card do not charge an annual fee for card membership.

Lifestyle 2
Exclusive Cardholder Offers & Events
Varies

Access to special promotions, discounts, and exclusive events available only to Sephora Credit Card members.

Cardmember Birthday Gift
Varies

Receive a special birthday gift or offer as a Sephora Credit Card member, often an enhanced version of the standard Beauty Insider birthday gift.

Security 1
Zero Liability Fraud Protection
Full protection

You are not held responsible for unauthorized charges made with your card or account information.

Shopping 3
Sephora Rewards Earning
4% back

Earn 4% back in rewards on every $1 spent at Sephora stores and sephora.com when using your Sephora Credit Card or Sephora Visa Credit Card.

Everyday Rewards Earning (Sephora Visa)
1% back

Earn 1% back in rewards on every $1 spent on purchases made outside Sephora where Visa is accepted, applicable to the Sephora Visa Credit Card.

New Cardmember Welcome Offer
Varies (e.g., 25% off first purchase)

Receive a special discount or bonus points on your first Sephora purchase or upon meeting a specific spending threshold after account opening. (Example: 25% off your first Sephora purchase).

Status Benefits 1
Automatic Rouge Status Upgrade (Sephora Visa)
Rouge status

Sephora Visa Credit Card holders may qualify for automatic upgrade to Rouge status in the Sephora Beauty Insider program by meeting specific annual spending requirements (e.g., spending $1,000 outside Sephora annually). Rouge status provides enhanced benefits like free standard shipping, exclusive events, and seasonal savings.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Special Financing

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 Months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Sephora Credit Card in 2026 requires U.S. residency, age 18+, a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and a satisfactory credit history, which may be more lenient than prime credit cards. Bonus rules typically include an initial discount on the first purchase (e.g., 15-25% off) and ongoing rewards (e.g., 1-5% back) on Sephora purchases, often tiered based on Sephora Beauty Insider loyalty status (VIB/Rouge). Additional benefits may include birthday rewards, exclusive cardholder-only promotions, and early access to sales.

Max Cards Per Issuer: 5

Min Spend Interval: 90 days

Shutdown Risk Triggers: Manufactured spending (less common for store cards but possible with gift card arbitrage), high credit utilization on the Sephora card or other BreadFinance accounts, defaulting on any BreadFinance/Comenity accounts, significant negative changes to credit report (e.g., bankruptcy, multiple delinquencies), suspicious or fraudulent activity, and excessive returns or abuse of card benefits/promotions.

Cliff Effect Rules: BreadFinance (formerly Comenity) generally treats each card independently. There are no known 'cliff effect' or family rules that restrict eligibility or benefits based on holding other cards from the same issuer.

Special Events: Sephora VIB/Rouge Sales (typically Spring and Fall), Birthday Rewards/Discounts, exclusive cardholder-only promotions, early access to new products or sales, and special in-store events.

Holiday Promos: Black Friday/Cyber Monday (late Nov), Christmas/Holiday Season (Nov-Dec), Valentine's Day (Feb), Mother's Day (May), and various seasonal sales throughout the year (e.g., Summer, End-of-Year clearance).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Great for Sephora loyalists, offers exclusive discounts and rewards, easy application process.

Top Negative:
High APR, limited use outside Sephora, customer service can be challenging, low credit limits.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Ulta Beauty Rewards Credit Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Discover it Cash Back

Card Value Score: 45.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: 03-2024