Sephora Credit Card
Basic Information
Program ID: sephora-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:49
Last Scraped: 01/15/2026 10:22
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $7,500.00
Spending Requirement: $750.00
Time Period: 90 days
Bonus Timing: Bonus points are typically posted to your Beauty Insider Rewards account within 8-12 weeks after the spending requirement is met.
Rewards Program
Reward Type: Sephora Beauty Insider Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Dining, 2x Entertainment, 2x Beauty Stores, 1.5x Sephora
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points expire if the Beauty Insider account is inactive for 12 months.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Sephora Credit Card (BreadFinance) in 2026 requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria (typically fair to good credit). New cardholders commonly receive a discount on their first Sephora purchase. Ongoing benefits include accelerated rewards earning (e.g., 1.5x or 2x points per $1) on Sephora purchases, redeemable for future store credit. Applications are processed online or in-store, subject to instant approval or further review.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: High cumulative credit limit across BreadFinance accounts, unusual spending patterns inconsistent with typical retail use, frequent late payments, defaulting on other credit obligations, opening too many accounts with BreadFinance in a short period (app-o-rama), or suspected manufactured spending (though less common for store cards).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Excellent rewards and exclusive discounts for frequent Sephora shoppers. Relatively easy approval process for building credit.
Top Negative Feedback:
High annual percentage rate (APR), limited utility outside of Sephora stores, reports of poor customer service from Comenity Bank, and low initial credit limits.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Ulta Beauty Rewards Credit Card
- Target RedCard
- Citi Custom Cash Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $50.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 80% Store / 20% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0